Natural hazards · Georgetown

Georgetown, IL natural hazards

Most of the natural-hazard damage FEMA expects in Georgetown comes from cold waves, and overall the risk is low for a U.S. community. Flood insurance has paid 1 claim here since 2002.

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

Expected damage

How exposed is Georgetown?

Low

vs. U.S. communities

FEMA expects yearly storm and flood damage to homes and buildings in Georgetown to be higher than in 28% of U.S. communities, mostly from cold waves and inland flooding.

Cold waves32%Inland flooding30%Tornadoes11%Earthquakes10%Heat waves5%Strong wind5%Everything else8%

By hazard

What Georgetown faces

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

Cold waves

32% of expected damage

Above average · higher than 57% of U.S. places

Recorded about 4 times a year in the area

Inland flooding

30% of expected damage

Below average · higher than 28% of U.S. places

Recorded about 2 times a year in the area

Tornadoes

11% of expected damage

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

Recorded about once every 86 years in the area

Earthquakes

10% of expected damage

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

Heat waves

5% of expected damage

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

Recorded about 6 times a year in the area

Strong wind

5% of expected damage

Well above average · higher than 92% of U.S. places

Recorded about 4 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 Georgetown flood?

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

1paid claims since 2002

$2Kpaid to owners

0homes flooded more than once

20022026

of homes in flood zones
are insured

of all homes
are insured

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

Insurance rates: Vermilion County.

Disasters that hit Georgetown

Federal disasters declared here

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

Brought FEMA money into GeorgetownDeclared for Vermilion County only

Vermilion County has had 10 natural disasters declared since 1953, most often tornadoes and severe storms.

Around Georgetown

Georgetown and the towns around it

Very lowLowModerateHighVery high

Catlinmostly inland floodingModerate

Carrollmostly inland floodingModerate

Danvillemostly inland floodingModerate

McKendreemostly inland floodingLow

Elwoodmostly inland floodingLow

Westvillemostly cold wavesLow

Belgiummostly cold wavesLow

Georgetownmostly 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. Georgetown covers 2 census tracts, combined by population.

Money that reached townFlood claims are matched to Georgetown’s own flood-insurance community (here, the census tracts inside it); household aid to the registrant’s city; repair grants to the Township of Georgetown. 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 Georgetown total about $2.5M 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.