Natural hazards · Harmony

Harmony, IL natural hazards

Most of the natural-hazard damage FEMA expects in Harmony comes from cold waves, and overall the risk is moderate for a U.S. community. Flood insurance has paid 1 claim here since 1993. 4 federal disasters brought FEMA money into town.

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

Expected damage

How exposed is Harmony?

Moderate

vs. U.S. communities

FEMA expects yearly storm and flood damage to homes and buildings in Harmony to be higher than in 52% of U.S. communities, mostly from cold waves and drought.

Cold waves22%Drought20%Inland flooding18%Heat waves14%Strong wind9%Tornadoes6%Everything else11%

By hazard

What Harmony faces

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

Cold waves

22% of expected damage

Above average · higher than 56% of U.S. places

Recorded about 4 times a year in the area

Drought

20% of expected damage

Recorded about 4 times a year in the area

Inland flooding

18% of expected damage

Above average · higher than 61% of U.S. places

Recorded about 3 times a year in the area

Heat waves

14% of expected damage

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

Recorded about 9 times a year in the area

Strong wind

9% of expected damage

Well above average · higher than 98% of U.S. places

Recorded about 5 times a year in the area

Tornadoes

6% of expected damage

Above average · higher than 66% of U.S. places

Recorded about once every 5 years in the area

Lower here

HurricanesIce 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 Harmony flood?

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

1paid claims since 1993

$5Kpaid to owners

0homes flooded more than once

19932026

Biggest named events

Midwest Flooding: 1 claim, $5K

of homes in flood zones
are insured

of all homes
are insured

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

Insurance rates: Hancock County.

Disasters that hit Harmony

4 federal disasters brought FEMA money here

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

Brought FEMA money into HarmonyDeclared for Hancock County only

2013

Severe Storms, Straight-Line Winds, and Flooding

$5K to the Township of Harmony for repairs

2011

Severe Winter Storm and Snowstorm

$5K to the Township of Harmony for repairs

2006

Snow

$1K to the Township of Harmony for repairs

1999

Il-Winter Storm 1/1/99

$4K to the Township of Harmony for repairs

Hancock County has had 17 natural disasters declared since 1953, most often floods and severe storms.

Around Harmony

Harmony and the towns around it

Very lowLowModerateHighVery high

Harmonymostly cold wavesModerate

St. Marymostly cold wavesModerate

Chilimostly cold wavesModerate

Bear Creekmostly cold wavesModerate

Carthagemostly inland floodingModerate

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. Harmony covers 1 census tract, combined by population.

Money that reached townFlood claims are matched to Harmony’s own flood-insurance community (here, the census tracts inside it); household aid to the registrant’s city; repair grants to the Township of Harmony. 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 Harmony total about $1.8M 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.