Natural hazards · Fults

Fults, IL natural hazards

Most of the natural-hazard damage FEMA expects in Fults comes from earthquakes, and overall the risk is high for a U.S. community. Flood insurance has paid 23 claims here since 1993.

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

Expected damage

How exposed is Fults?

High

vs. U.S. communities

FEMA expects yearly storm and flood damage to homes and buildings in Fults to be higher than in 72% of U.S. communities, mostly from earthquakes and inland flooding.

Earthquakes31%Inland flooding30%Heat waves13%Tornadoes10%Cold waves6%Strong wind6%Everything else6%

By hazard

What Fults faces

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

Earthquakes

31% of expected damage

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

Inland flooding

30% of expected damage

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

Recorded about once a year in the area

Heat waves

13% of expected damage

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

Recorded about 13 times a year in the area

Tornadoes

10% of expected damage

Well above average · higher than 81% of U.S. places

Recorded about once every 6 years in the area

Cold waves

6% of expected damage

Well below average · higher than 20% of U.S. places

Recorded about once a year in the area

Strong wind

6% of expected damage

Well above average · higher than 97% of U.S. places

Recorded about 6 times a year in the area

Lower here

HurricanesHailIce stormsWinter weatherWildfireLandslidesLightningDrought

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 Fults flood?

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

23paid claims since 1993

$767Kpaid to owners

0homes flooded more than once

19932026

Biggest named events

Midwest Flooding: 23 claims, $767K

of all homes
are insured

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

Insurance rates: Monroe County.

What’s been done with FEMA grants

46flood-prone properties bought out and cleared

Disasters that hit Fults

Federal disasters declared here

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

Brought FEMA money into FultsDeclared for Monroe County only

Monroe County has had 18 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. Fults 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 Fults’s own flood-insurance community; household aid to the registrant’s city; repair grants to the Village of Fults. 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.