Natural hazards · Franklin

Franklin, IL natural hazards

Most of the natural-hazard damage FEMA expects in Franklin comes from inland flooding, and overall the risk is moderate for a U.S. community. Flood insurance has paid 22 claims here since 1979.

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

Expected damage

How exposed is Franklin?

Moderate

vs. U.S. communities

FEMA expects yearly storm and flood damage to homes and buildings in Franklin to be higher than in 42% of U.S. communities, mostly from inland flooding and cold waves.

Inland flooding61%Cold waves19%Tornadoes12%Everything else9%

By hazard

What Franklin faces

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

Inland flooding

61% of expected damage

Above average · higher than 66% of U.S. places

Recorded about once a year in the area

Cold waves

19% of expected damage

Well below average · higher than 22% of U.S. places

Recorded about 6 times a year in the area

Tornadoes

12% of expected damage

Well above average · higher than 75% of U.S. places

Recorded about once every 17 years in the area

Lower here

HurricanesHailIce stormsWinter weatherHeat wavesWildfireEarthquakesLandslidesStrong windLightningDrought

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 Franklin flood?

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

22paid claims since 1979

$383Kpaid to owners

0homes flooded more than once

19792026

of homes in flood zones
are insured

of all homes
are insured

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

Insurance rates: DeKalb County.

Disasters that hit Franklin

Federal disasters declared here

None of the disasters declared for DeKalb County shows FEMA aid or repair money reaching Franklin itself in FEMA’s records.

Brought FEMA money into FranklinDeclared for DeKalb County only

DeKalb County has had 10 natural disasters declared since 1953, most often floods and winter storms.

Around Franklin

Franklin and the towns around it

Very lowLowModerateHighVery high

Franklinmostly inland floodingModerate

Kingstonmostly inland floodingModerate

Floramostly inland floodingLow

Monroemostly inland floodingLow

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. Franklin covers 1 census tract, combined by population.

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

FEMA’s expected losses across Franklin total about $2.8M a year, counting buildings, people and crops.

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.