Natural hazards · Florence

Florence, IL natural hazards

Most of the natural-hazard damage FEMA expects in Florence comes from inland flooding, and overall the risk is very high for a U.S. community. Flood insurance has paid 12 claims here since 1979. 3 federal disasters brought FEMA money into town.

FEMA National Risk Index, December 2025 · OpenFEMA claims, aid & declarations

Expected damage

How exposed is Florence?

Very high

vs. U.S. communities

FEMA expects yearly storm and flood damage to homes and buildings in Florence to be higher than in 84% of U.S. communities, mostly from inland flooding.

Inland flooding40%Cold waves14%Heat waves12%Drought11%Strong wind10%Tornadoes6%Everything else8%

By hazard

What Florence faces

Each hazard’s share of the damage FEMA expects here, and how that compares with the rest of the country.

Inland flooding

40% of expected damage

Well above average · higher than 95% of U.S. places

Recorded about once a year in the area

Cold waves

14% of expected damage

Below average · higher than 48% of U.S. places

Recorded about 3 times a year in the area

Heat waves

12% of expected damage

Well above average · higher than 80% of U.S. places

Recorded about 9 times a year in the area

Drought

11% of expected damage

Recorded about 3 times a year in the area

Strong wind

10% of expected damage

Well above average · higher than 93% of U.S. places

Recorded about 6 times a year in the area

Tornadoes

6% of expected damage

Above average · higher than 68% of U.S. places

Recorded about once every 6 years in the area

Lower here

HurricanesHailIce stormsWinter weatherWildfireEarthquakesLandslidesLightning

Not a risk here

Coastal floodingAvalanchesTsunamisVolcanic activity

Flood risk changes street by street. Check a specific address on FEMA’s flood map, and ask about flood insurance before you buy.

Flood insurance claims

Does Florence flood?

Every paid claim on a federal flood insurance policy in Florence, from FEMA’s records.

12paid claims since 1979

$108Kpaid to owners

2homes flooded more than once

19792026

Biggest named events

Midwest Flooding: 1 claim, $35K
Early winter storms: 1 claim, $3K
Mid-spring storms: 1 claim, $20K

Homes that flooded again and again

■ FEMA “severe repetitive loss” (1) ■ flooded 2+ times

of homes in flood zones
are insured

of all homes
are insured

No community discount. Florence isn’t in FEMA’s Community Rating System, which cuts flood insurance up to 45% in towns that do extra flood-proofing.

Insurance rates: Pike County.

Disasters that hit Florence

3 federal disasters brought FEMA money here

Disasters the President declared that paid out in Florence itself: aid to households, or repair grants to the Village of Florence.

Brought FEMA money into FlorenceDeclared for Pike County only

2013

Severe Storms, Straight-Line Winds, and Flooding

1 household applied for aid $7K to the Village of Florence for repairs

2008

Severe Storms and Flooding

$2K to the Village of Florence for repairs

2002

Severe Storms, Tornadoes and Flooding

$1K to the Village of Florence for repairs

Pike County has had 23 natural disasters declared since 1953, most often floods and severe storms.

Around Florence

Florence and the towns around it

Very lowLowModerateHighVery high

Florencemostly inland floodingVery high

Detroitmostly inland floodingVery high

About these numbers

How to read this page

An average, not a forecastFEMA’s National Risk Index estimates the damage 18 kinds of natural hazards cause in a typical year, from decades of records and models. A quiet decade can follow a bad year.

Compared by rate“Higher than N%” compares yearly damage as a share of what’s here, so a big city isn’t rated riskier just for having more buildings. Florence is smaller than a census tract, so it shares the figures of the tract around its center.

Money that reached townFlood claims are matched to Florence’s own flood-insurance community; household aid to the registrant’s city; repair grants to the Village of Florence. FEMA’s model follows property values, so a place that recently lost many homes can rate lower than it feels.

Sources: FEMA National Risk Index (December 2025); OpenFEMA: NFIP redacted claims, multiple-loss properties, community status book and residential penetration rates, housing assistance (owners and renters), public assistance funded projects, hazard mitigation properties and disaster declarations. Census tracts: U.S. Census Bureau.