Natural hazards · Galt

Galt, IL natural hazards

Most of the natural-hazard damage FEMA expects in Galt comes from inland flooding, and overall the risk is moderate for a U.S. community.

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

Expected damage

How exposed is Galt?

Moderate

vs. U.S. communities

FEMA expects yearly storm and flood damage to homes and buildings in Galt to be higher than in 54% of U.S. communities, mostly from inland flooding.

Inland flooding57%Tornadoes15%Cold waves12%Strong wind6%Everything else10%

By hazard

What Galt faces

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

Inland flooding

57% of expected damage

Above average · higher than 71% of U.S. places

Recorded about 2 times a year in the area

Tornadoes

15% of expected damage

Well above average · higher than 78% of U.S. places

Cold waves

12% of expected damage

Well below average · higher than 18% of U.S. places

Recorded about 6 times a year in the area

Strong wind

6% of expected damage

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

Recorded about 6 times a year in the area

Lower here

HurricanesHailIce stormsWinter weatherHeat wavesWildfireEarthquakesLandslidesLightningDrought

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 Galt flood?

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

of homes in flood zones
are insured

of all homes
are insured

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

Insurance rates: Whiteside County.

Disasters that hit Galt

Federal disasters declared here

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

Brought FEMA money into GaltDeclared for Whiteside County only

Whiteside County has had 12 natural disasters declared since 1953, most often floods and winter storms.

Around Galt

Galt and the towns around it

Very lowLowModerateHighVery high

Galtmostly inland floodingModerate

Sterlingmostly inland floodingModerate

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