Natural hazards · Frederick

Frederick, IL natural hazards

Most of the natural-hazard damage FEMA expects in Frederick comes from inland flooding, and overall the risk is high for a U.S. community. 2 federal disasters brought FEMA money into town.

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

Expected damage

How exposed is Frederick?

High

vs. U.S. communities

FEMA expects yearly storm and flood damage to homes and buildings in Frederick to be higher than in 75% of U.S. communities, mostly from inland flooding and cold waves.

Inland flooding34%Cold waves24%Strong wind13%Heat waves8%Tornadoes7%Drought7%Everything else9%

By hazard

What Frederick faces

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

Inland flooding

34% of expected damage

Well above average · higher than 86% of U.S. places

Recorded about 2 times a year in the area

Cold waves

24% of expected damage

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

Recorded about 4 times a year in the area

Strong wind

13% of expected damage

Well above average · higher than 98% of U.S. places

Recorded about 5 times a year in the area

Heat waves

8% of expected damage

Well above average · higher than 87% of U.S. places

Recorded about 7 times a year in the area

Tornadoes

7% of expected damage

Well above average · higher than 89% of U.S. places

Recorded about once every 8 years in the area

Drought

7% of expected damage

Recorded about 5 times a year in the area

Lower here

HurricanesIce 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 Frederick flood?

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

of homes in flood zones
are insured

of all homes
are insured

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

Insurance rates: Schuyler County.

Disasters that hit Frederick

2 federal disasters brought FEMA money here

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

Brought FEMA money into FrederickDeclared for Schuyler County only

2013

Severe Storms, Straight-Line Winds, and Flooding

7 households applied for aid $15K aid approved

2011

Severe Winter Storm and Snowstorm

$2K to the Township of Frederick for repairs

Schuyler County has had 16 natural disasters declared since 1953, most often floods and severe storms.

Around Frederick

Frederick and the towns around it

Very lowLowModerateHighVery high

Beardstownmostly cold wavesVery high

Bluff Springsmostly cold wavesHigh

Frederickmostly inland floodingHigh

Browningmostly inland floodingHigh

Bainbridgemostly inland floodingHigh

Rushvillemostly cold wavesLow

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