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Natural hazards · Grand Tower

Grand Tower, IL natural hazards

Most of the natural-hazard damage FEMA expects in Grand Tower comes from inland flooding, and overall the risk is very high for a U.S. community. Flood insurance has paid 5 claims here since 1979. 3 federal disasters brought FEMA money into town.

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

How exposed is Grand Tower?

87
Very high
vs. U.S. communities

FEMA expects yearly storm and flood damage to homes and buildings in Grand Tower to be higher than in 87% of U.S. communities, mostly from inland flooding and earthquakes.

Inland flooding40%Earthquakes31%Strong wind9%Cold waves7%Everything else12%
By hazard

What Grand Tower faces

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

Inland flooding

40% of expected damage
Well above average · higher than 89% of U.S. places
Recorded about 6 times a year in the area

Earthquakes

31% of expected damage
Well above average · higher than 88% of U.S. places

Strong wind

9% of expected damage
Well above average · among the top 1% of U.S. places
Recorded about 4 times a year in the area

Cold waves

7% of expected damage
Below average · higher than 46% of U.S. places
Recorded about once a year in the area

Lower here

HurricanesTornadoesHailIce 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 Grand Tower flood?

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

5paid claims since 1979
$92Kpaid to owners
0homes flooded more than once
19792026
of homes in flood zones
are insured
of all homes
are insured
No community discount. Grand Tower isn’t in FEMA’s Community Rating System, which cuts flood insurance up to 45% in towns that do extra flood-proofing.
Insurance rates: Jackson County.
Disasters that hit Grand Tower

3 federal disasters brought FEMA money here

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

Brought FEMA money into Grand TowerDeclared for Jackson County only
2019

Severe Storms and Flooding

$837K to the City of Grand Tower for repairs
2011

Severe Storms and Flooding

26 households applied for aid $26K aid approved $170K to the City of Grand Tower for repairs
2009

Severe Storms, Flooding, and Tornadoes

$13K to the City of Grand Tower for repairs
Jackson County has had 13 natural disasters declared since 1953, most often floods 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. Grand Tower 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 Grand Tower’s own flood-insurance community; household aid to the registrant’s city; repair grants to the City of Grand Tower. 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.

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Boundary source: https://tigerweb.geo.census.gov/arcgis/rest/services/TIGERweb/Places_CouSub_ConCity_SubMCD/MapServer/18 · 2025-01-01
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