Natural hazards · Harmon

Harmon, IL natural hazards

Most of the natural-hazard damage FEMA expects in Harmon comes from inland flooding, and overall the risk is moderate for a U.S. community. Flood insurance has paid 18 claims here since 1988.

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

Expected damage

How exposed is Harmon?

Moderate

vs. U.S. communities

FEMA expects yearly storm and flood damage to homes and buildings in Harmon to be higher than in 49% of U.S. communities, mostly from inland flooding and drought.

Inland flooding54%Drought15%Tornadoes10%Strong wind8%Cold waves7%Everything else6%

By hazard

What Harmon faces

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

Inland flooding

54% of expected damage

Above average · higher than 60% of U.S. places

Recorded about once a year in the area

Drought

15% of expected damage

Recorded about 12 times a year in the area

Tornadoes

10% of expected damage

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

Recorded about once every 6 years in the area

Strong wind

8% of expected damage

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

Recorded about 6 times a year in the area

Cold waves

7% of expected damage

Well below average · higher than 17% of U.S. places

Recorded about 6 times a year in the area

Lower here

HurricanesHailIce stormsWinter weatherHeat 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 Harmon flood?

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

18paid claims since 1988

$222Kpaid to owners

0homes flooded more than once

19882026

Biggest named events

Mid-spring storms: 1 claim, $5K

of homes in flood zones
are insured

of all homes
are insured

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

Insurance rates: Lee County.

Disasters that hit Harmon

Federal disasters declared here

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

Brought FEMA money into HarmonDeclared for Lee County only

Lee County has had 8 natural disasters declared since 1953, most often floods and winter storms.

Around Harmon

Harmon and the towns around it

Very lowLowModerateHighVery high

Harmonmostly inland floodingModerate

Marionmostly inland floodingModerate

Hamiltonmostly inland floodingModerate

Nelsonmostly inland floodingModerate

Montmorencymostly inland floodingLow

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. Harmon covers 1 census tract, combined by population.

Money that reached townFlood claims are matched to Harmon’s own flood-insurance community (here, the census tracts inside it); household aid to the registrant’s city; repair grants to the Township of Harmon. 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 Harmon total about $1.9M 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.