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. 3 federal disasters brought FEMA money into town.

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 25% of U.S. communities, mostly from cold waves and inland flooding.

Cold waves31%Inland flooding27%Earthquakes13%Tornadoes11%Strong wind5%Everything else13%

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

31% of expected damage

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

Recorded about 4 times a year in the area

Inland flooding

27% of expected damage

Well below average · higher than 19% of U.S. places

Recorded about 2 times a year in the area

Earthquakes

13% of expected damage

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

Tornadoes

11% of expected damage

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

Recorded about once every 62 years 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 weatherHeat wavesWildfireLandslidesLightningDrought

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

3 federal disasters brought FEMA money here

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

Brought FEMA money into GeorgetownDeclared for Vermilion County only

2023

Severe Storms and Flooding

$50K to the City of Georgetown for repairs

2013

Severe Storms, Straight-Line Winds, and Tornadoes

3 households applied for aid

1999

Il-Winter Storm 1/1/99

$8K to the City of Georgetown for repairs

Vermilion County has had 10 natural disasters declared since 1953, most often tornadoes 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. Georgetown 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 Georgetown’s own flood-insurance community; household aid to the registrant’s city; repair grants to the City of Georgetown. 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.