Natural hazards · Germantown

Germantown, IL natural hazards

Most of the natural-hazard damage FEMA expects in Germantown comes from inland flooding, and overall the risk is high for a U.S. community. Flood insurance has paid 1 claim here since 2013.

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

Expected damage

How exposed is Germantown?

High

vs. U.S. communities

FEMA expects yearly storm and flood damage to homes and buildings in Germantown to be higher than in 75% of U.S. communities, mostly from inland flooding and earthquakes.

Inland flooding43%Earthquakes24%Tornadoes9%Cold waves8%Strong wind6%Heat waves5%Everything else5%

By hazard

What Germantown faces

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

Inland flooding

43% of expected damage

Well above average · higher than 77% of U.S. places

Recorded about once a year in the area

Earthquakes

24% of expected damage

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

Tornadoes

9% of expected damage

Well above average · higher than 76% of U.S. places

Recorded about once every 38 years in the area

Cold waves

8% of expected damage

Well below average · higher than 19% 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

Heat waves

5% of expected damage

Well above average · higher than 76% of U.S. places

Recorded about 11 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 Germantown flood?

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

1paid claims since 2013

$20Kpaid to owners

0homes flooded more than once

20132026

Biggest named events

Mid-spring storms: 1 claim, $20K

of homes in flood zones
are insured

of all homes
are insured

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

Insurance rates: Clinton County.

Disasters that hit Germantown

Federal disasters declared here

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

Brought FEMA money into GermantownDeclared for Clinton County only

Clinton County has had 5 natural disasters declared since 1953, most often floods and hurricanes.

Around Germantown

Germantown and the towns around it

Very lowLowModerateHighVery high

Okawvillemostly inland floodingHigh

Germantownmostly inland floodingHigh

Looking Glassmostly inland floodingHigh

Santa Femostly inland floodingHigh

Breesemostly inland floodingHigh

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. Germantown covers 1 census tract, combined by population.

Money that reached townFlood claims are matched to Germantown’s own flood-insurance community (here, the census tracts inside it); household aid to the registrant’s city; repair grants to the Township of Germantown. 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 Germantown total about $1.8M 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.