Natural hazards · Gilmer

Gilmer, IL natural hazards

Most of the natural-hazard damage FEMA expects in Gilmer comes from inland flooding, and overall the risk is moderate for a U.S. community. Flood insurance has paid 1 claim here since 1979.

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

Expected damage

How exposed is Gilmer?

Moderate

vs. U.S. communities

FEMA expects yearly storm and flood damage to homes and buildings in Gilmer to be higher than in 52% of U.S. communities, mostly from inland flooding and cold waves.

Inland flooding37%Cold waves17%Heat waves13%Strong wind9%Tornadoes7%Drought7%Everything else9%

By hazard

What Gilmer faces

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

Inland flooding

37% of expected damage

Above average · higher than 67% of U.S. places

Recorded about once a year in the area

Cold waves

17% of expected damage

Above average · higher than 52% of U.S. places

Recorded about 4 times a year in the area

Heat waves

13% of expected damage

Well above average · higher than 88% of U.S. places

Recorded about 8 times a year in the area

Strong wind

9% of expected damage

Well above average · higher than 95% of U.S. places

Recorded about 4 times a year in the area

Tornadoes

7% of expected damage

Above average · higher than 73% of U.S. places

Recorded about once every 22 years in the area

Drought

7% of expected damage

Recorded about 4 times a year in the area

Lower here

HurricanesHailIce stormsWinter weatherWildfireEarthquakesLandslidesLightning

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 Gilmer flood?

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

1paid claims since 1979

$302paid to owners

0homes flooded more than once

19792026

of homes in flood zones
are insured

of all homes
are insured

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

Insurance rates: Adams County.

Disasters that hit Gilmer

Federal disasters declared here

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

Brought FEMA money into GilmerDeclared for Adams County only

Adams County has had 19 natural disasters declared since 1953, most often floods and severe storms.

Around Gilmer

Gilmer and the towns around it

Very lowLowModerateHighVery high

Honey Creekmostly inland floodingModerate

Gilmermostly inland floodingModerate

Ellingtonmostly inland floodingModerate

Fowlermostly inland floodingModerate

Columbusmostly inland floodingModerate

Burtonmostly 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. Gilmer covers 1 census tract, combined by population.

Money that reached townFlood claims are matched to Gilmer’s own flood-insurance community (here, the census tracts inside it); household aid to the registrant’s city; repair grants to the Township of Gilmer. 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 Gilmer total about $1.5M 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.