Natural hazards · Gilman

Gilman, IL natural hazards

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

High

vs. U.S. communities

FEMA expects yearly storm and flood damage to homes and buildings in Gilman to be higher than in 64% of U.S. communities, mostly from inland flooding and cold waves.

Inland flooding45%Cold waves40%Tornadoes6%Everything else9%

By hazard

What Gilman faces

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

Inland flooding

45% of expected damage

Well above average · higher than 80% of U.S. places

Recorded about once a year in the area

Cold waves

40% of expected damage

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

Recorded about 4 times a year in the area

Tornadoes

6% of expected damage

Well above average · higher than 81% of U.S. places

Recorded about once every 15 years in the area

Lower here

HurricanesHailIce stormsWinter weatherHeat wavesWildfireEarthquakesLandslidesStrong windLightning

Not a risk here

Coastal floodingDroughtAvalanchesTsunamisVolcanic 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 Gilman flood?

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

1paid claims since 2008

$943paid to owners

0homes flooded more than once

20082026

of homes in flood zones
are insured

of all homes
are insured

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

Insurance rates: Iroquois County.

Disasters that hit Gilman

1 federal disaster brought FEMA money here

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

Brought FEMA money into GilmanDeclared for Iroquois County only

2008

Severe Storms and Flooding

6 households applied for aid $44K aid approved

Iroquois County has had 7 natural disasters declared since 1953, most often severe storms and winter 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. Gilman 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 Gilman’s own flood-insurance community; household aid to the registrant’s city; repair grants to the City of Gilman. 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.