Natural hazards · Garrett

Garrett, IL natural hazards

Most of the natural-hazard damage FEMA expects in Garrett comes from inland flooding, and overall the risk is very high for a U.S. community. Flood insurance has paid 5 claims here since 2008. 1 federal disaster brought FEMA money into town.

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

Expected damage

How exposed is Garrett?

Very high

vs. U.S. communities

FEMA expects yearly storm and flood damage to homes and buildings in Garrett to be higher than in 85% of U.S. communities, mostly from inland flooding and hail.

Inland flooding42%Hail25%Cold waves8%Strong wind6%Earthquakes6%Drought5%Everything else8%

By hazard

What Garrett faces

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

Inland flooding

42% of expected damage

Well above average · higher than 84% of U.S. places

Recorded about once a year in the area

Hail

25% of expected damage

Well above average · among the top 1% of U.S. places

Recorded about 3 times a year in the area

Cold waves

8% of expected damage

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

Recorded about 3 times a year in the area

Strong wind

6% of expected damage

Well above average · higher than 91% of U.S. places

Recorded about 4 times a year in the area

Earthquakes

6% of expected damage

Well above average · higher than 79% of U.S. places

Drought

5% of expected damage

Recorded about 2 times a year in the area

Lower here

HurricanesIce stormsWinter weatherHeat wavesWildfireLandslidesLightning

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 Garrett flood?

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

5paid claims since 2008

$79Kpaid to owners

0homes flooded more than once

20082026

Biggest named events

Early winter storms: 1 claim, $28K

of homes in flood zones
are insured

of all homes
are insured

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

Insurance rates: Douglas County.

Disasters that hit Garrett

1 federal disaster brought FEMA money here

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

Brought FEMA money into GarrettDeclared for Douglas County only

2008

Severe Storms and Flooding

$28K to the Township of Garrett for repairs

Douglas County has had 11 natural disasters declared since 1953, most often severe storms and tornadoes.

Around Garrett

Garrett and the towns around it

Very lowLowModerateHighVery high

Garrettmostly inland floodingVery high

Tuscolamostly inland floodingVery high

Bourbonmostly inland floodingVery high

Lowemostly inland floodingHigh

Unitymostly inland floodingHigh

Sadorusmostly 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. Garrett covers 1 census tract, combined by population.

Money that reached townFlood claims are matched to Garrett’s own flood-insurance community (here, the census tracts inside it); household aid to the registrant’s city; repair grants to the Township of Garrett. 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 Garrett total about $6.4M 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.