Natural hazards · Hardin

Hardin, IL natural hazards

Most of the natural-hazard damage FEMA expects in Hardin comes from inland flooding, and overall the risk is very high for a U.S. community. Flood insurance has paid 46 claims here since 1979.

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

Expected damage

How exposed is Hardin?

Very high

vs. U.S. communities

FEMA expects yearly storm and flood damage to homes and buildings in Hardin to be higher than in 84% of U.S. communities, mostly from inland flooding.

Inland flooding40%Cold waves14%Heat waves12%Drought11%Strong wind10%Tornadoes6%Everything else8%

By hazard

What Hardin 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 95% of U.S. places

Recorded about once a year in the area

Cold waves

14% of expected damage

Below average · higher than 48% of U.S. places

Recorded about 3 times a year in the area

Heat waves

12% of expected damage

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

Recorded about 9 times a year in the area

Drought

11% of expected damage

Recorded about 3 times a year in the area

Strong wind

10% of expected damage

Well above average · higher than 93% of U.S. places

Recorded about 6 times a year in the area

Tornadoes

6% of expected damage

Above average · higher than 68% of U.S. places

Recorded about once every 6 years 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 Hardin flood?

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

46paid claims since 1979

$752Kpaid to owners

0homes flooded more than once

19792026

Biggest named events

Mid-spring storms: 6 claims, $253K
Midwest Flooding: 3 claims, $60K
Early winter storms: 2 claims, $4K

of homes in flood zones
are insured

of all homes
are insured

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

Insurance rates: Pike County.

Disasters that hit Hardin

Federal disasters declared here

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

Brought FEMA money into HardinDeclared for Pike County only

Pike County has had 23 natural disasters declared since 1953, most often floods and severe storms.

Around Hardin

Hardin and the towns around it

Very lowLowModerateHighVery high

Martinsburgmostly inland floodingVery high

Hardinmostly inland floodingVery high

Spring Creekmostly inland floodingVery high

Montezumamostly inland floodingVery high

Newburgmostly inland floodingVery high

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. Hardin covers 1 census tract, combined by population.

Money that reached townFlood claims are matched to Hardin’s own flood-insurance community (here, the census tracts inside it); household aid to the registrant’s city; repair grants to the Township of Hardin. 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 Hardin total about $1.6M 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.