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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 421 claims here since 1978. 7 federal disasters brought FEMA money into town.

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

How exposed is Hardin?

96
Very high
vs. U.S. communities

FEMA expects yearly storm and flood damage to homes and buildings in Hardin to be higher than in 96% of U.S. communities, mostly from inland flooding.

Inland flooding64%Heat waves14%Cold waves6%Tornadoes6%Everything else11%
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

64% of expected damage
Well above average · among the top 1% of U.S. places
Recorded about once a year in the area

Heat waves

14% of expected damage
Above average · higher than 68% of U.S. places
Recorded about 11 times a year in the area

Cold waves

6% of expected damage
Above average · higher than 53% of U.S. places
Recorded about 2 times a year in the area

Tornadoes

6% of expected damage
Above average · higher than 74% of U.S. places
Recorded about once every 8 years in the area

Lower here

HurricanesHailIce stormsWinter weatherWildfireEarthquakesLandslidesStrong windLightningDrought

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.

421paid claims since 1978
$4.5Mpaid to owners
19homes flooded more than once
19782026

Biggest named events

  • Midwest Flooding: 97 claims, $2.3M
  • Mid-spring storms: 3 claims, $7K
  • Early winter storms: 3 claims, $6K

Homes that flooded again and again

■ FEMA “severe repetitive loss” (13) ■ flooded 2+ times

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: Calhoun County.

What’s been done with FEMA grants

96flood-prone properties bought out and cleared
Disasters that hit Hardin

7 federal disasters brought FEMA money here

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

Brought FEMA money into HardinDeclared for Calhoun County only
2019

Severe Storms and Flooding

$296K to the Village of Hardin for repairs
2013

Severe Storms, Straight-Line Winds, and Flooding

13 households applied for aid $22K aid approved $55K to the Village of Hardin for repairs
2011

Severe Winter Storm and Snowstorm

$5K to the Village of Hardin for repairs
2008

Severe Storms and Flooding

5 households applied for aid $2K aid approved $34K to the Village of Hardin for repairs
2006

Severe Winter Storm

$4K to the Village of Hardin for repairs
2002

Severe Storms, Tornadoes and Flooding

$19K to the Village of Hardin for repairs
1999

Il-Winter Storm 1/1/99

$4K to the Village of Hardin for repairs
Calhoun County has had 23 natural disasters declared since 1953, most often floods and severe storms.
Around Hardin

Hardin and the towns around it

Woodville: Very high, mostly inland floodingRichwood: High, mostly inland floodingKane: High, mostly inland floodingBluffdale: Very high, mostly inland floodingHardin: Very high, mostly inland flooding HardinWoodville
Very lowLowModerateHighVery high
Hardinmostly inland floodingVery high
Woodvillemostly 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 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 Hardin’s own flood-insurance community; household aid to the registrant’s city; repair grants to the Village of Hardin. 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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