Natural hazards · Hammond

Hammond, IL natural hazards

Most of the natural-hazard damage FEMA expects in Hammond comes from inland flooding, and overall the risk is high for a U.S. community. 2 federal disasters brought FEMA money into town.

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

Expected damage

How exposed is Hammond?

High

vs. U.S. communities

FEMA expects yearly storm and flood damage to homes and buildings in Hammond to be higher than in 71% of U.S. communities, mostly from inland flooding and drought.

Inland flooding42%Drought19%Cold waves13%Earthquakes8%Tornadoes8%Strong wind5%Everything else5%

By hazard

What Hammond faces

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

Inland flooding

42% of expected damage

Well above average · higher than 82% of U.S. places

Recorded about once a year in the area

Drought

19% of expected damage

Recorded about 2 times a year in the area

Cold waves

13% of expected damage

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

Recorded about 4 times a year in the area

Earthquakes

8% of expected damage

Well above average · higher than 79% of U.S. places

Tornadoes

8% of expected damage

Well above average · higher than 87% of U.S. places

Recorded about once every 8 years in the area

Strong wind

5% of expected damage

Well above average · higher than 94% of U.S. places

Recorded about 5 times a year in the area

Lower here

HurricanesHailIce stormsWinter weatherHeat wavesWildfireLandslidesLightning

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 Hammond flood?

FEMA's records show no paid flood insurance claims in Hammond.

of homes in flood zones
are insured

of all homes
are insured

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

Insurance rates: Piatt County.

Disasters that hit Hammond

2 federal disasters brought FEMA money here

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

Brought FEMA money into HammondDeclared for Piatt County only

2006

Severe Winter Storm

$3K to the Village of Hammond for repairs

1999

Il-Winter Storm 1/1/99

$2K to the Village of Hammond for repairs

Piatt County has had 7 natural disasters declared since 1953, most often ice storms and tornadoes.

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. Hammond 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 Hammond’s own flood-insurance community; household aid to the registrant’s city; repair grants to the Village of Hammond. 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.