Natural hazards · Gladstone

Gladstone, IL natural hazards

Most of the natural-hazard damage FEMA expects in Gladstone comes from inland flooding, and overall the risk is very high for a U.S. community. Flood insurance has paid 110 claims here since 1982.

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

Expected damage

How exposed is Gladstone?

Very high

vs. U.S. communities

FEMA expects yearly storm and flood damage to homes and buildings in Gladstone to be higher than in 90% of U.S. communities, mostly from inland flooding.

Inland flooding50%Drought14%Hail10%Strong wind9%Tornadoes6%Everything else11%

By hazard

What Gladstone faces

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

Inland flooding

50% of expected damage

Well above average · higher than 96% of U.S. places

Recorded about 2 times a year in the area

Drought

14% of expected damage

Recorded about 9 times a year in the area

Hail

10% of expected damage

Well above average · among the top 1% of U.S. places

Recorded about 4 times a year in the area

Strong wind

9% of expected damage

Well above average · among the top 1% of U.S. places

Recorded about 5 times a year in the area

Tornadoes

6% of expected damage

Well above average · higher than 89% of U.S. places

Recorded about once every 10 years in the area

Lower here

HurricanesIce stormsWinter weatherCold wavesHeat wavesWildfireEarthquakesLandslidesLightning

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 Gladstone flood?

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

110paid claims since 1982

$3.9Mpaid to owners

0homes flooded more than once

19822026

Biggest named events

Midwest Flooding: 15 claims, $183K
Mid-spring storms: 8 claims, $170K

of homes in flood zones
are insured

of all homes
are insured

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

Insurance rates: Henderson County.

Disasters that hit Gladstone

Federal disasters declared here

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

Brought FEMA money into GladstoneDeclared for Henderson County only

Henderson County has had 14 natural disasters declared since 1953, most often floods and winter storms.

Around Gladstone

Gladstone and the towns around it

Very lowLowModerateHighVery high

Gladstonemostly inland floodingVery high

Biggsvillemostly inland floodingVery high

Carmanmostly inland floodingVery high

Gulfportmostly inland floodingVery high

Oquawkamostly inland floodingVery high

Stronghurstmostly inland floodingVery high

Burlingtonmostly 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. Gladstone covers 1 census tract, combined by population.

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