Natural hazards · Franklin

Franklin, IL natural hazards

Most of the natural-hazard damage FEMA expects in Franklin comes from cold waves, and overall the risk is high for a U.S. community. 4 federal disasters brought FEMA money into town.

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

Expected damage

How exposed is Franklin?

High

vs. U.S. communities

FEMA expects yearly storm and flood damage to homes and buildings in Franklin to be higher than in 60% of U.S. communities, mostly from cold waves and inland flooding.

Cold waves33%Inland flooding23%Drought13%Earthquakes10%Strong wind8%Heat waves6%Everything else8%

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.

Cold waves

33% of expected damage

Above average · higher than 56% of U.S. places

Recorded about 3 times a year in the area

Inland flooding

23% of expected damage

Above average · higher than 64% of U.S. places

Recorded about once a year in the area

Drought

13% of expected damage

Recorded about 3 times a year in the area

Earthquakes

10% of expected damage

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

Strong wind

8% of expected damage

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

Recorded about 6 times a year in the area

Heat waves

6% of expected damage

Above average · higher than 55% of U.S. places

Recorded about 8 times a year in the area

Lower here

HurricanesTornadoesHailIce stormsWinter weatherWildfireLandslidesLightning

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?

FEMA's records show no paid flood insurance claims in Franklin.

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: Morgan County.

Disasters that hit Franklin

4 federal disasters brought FEMA money here

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

Brought FEMA money into FranklinDeclared for Morgan County only

2023

Severe Storms and Flooding

$25K to the Village of Franklin for repairs

2013

Severe Storms, Straight-Line Winds, and Flooding

$67K to the Village of Franklin for repairs

2006

Tornadoes and Severe Storms

6 households applied for aid $4K aid approved

1999

Il-Winter Storm 1/1/99

$2K to the Village of Franklin for repairs

Morgan County has had 15 natural disasters declared since 1953, most often floods and severe storms.

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 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 Franklin’s own flood-insurance community; household aid to the registrant’s city; repair grants to the Village of Franklin. 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.