Natural hazards · Harp

Harp, IL natural hazards

Most of the natural-hazard damage FEMA expects in Harp comes from inland flooding, and overall the risk is moderate for a U.S. community. Flood insurance has paid 2 claims here since 2005. 1 federal disaster brought FEMA money into town.

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

Expected damage

How exposed is Harp?

Moderate

vs. U.S. communities

FEMA expects yearly storm and flood damage to homes and buildings in Harp to be higher than in 43% of U.S. communities, mostly from inland flooding and drought.

Inland flooding36%Drought18%Cold waves17%Tornadoes10%Strong wind7%Earthquakes7%Everything else6%

By hazard

What Harp faces

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

Inland flooding

36% of expected damage

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

Recorded about once a year in the area

Drought

18% of expected damage

Recorded about 4 times a year in the area

Cold waves

17% of expected damage

Above average · higher than 58% of U.S. places

Recorded about 4 times a year in the area

Tornadoes

10% of expected damage

Well above average · higher than 88% of U.S. places

Recorded about once every 5 years in the area

Strong wind

7% of expected damage

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

Recorded about 5 times a year in the area

Earthquakes

7% of expected damage

Well above average · higher than 76% of U.S. places

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 Harp flood?

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

2paid claims since 2005

$9Kpaid to owners

0homes flooded more than once

20052026

Biggest named events

Hurricane Ike: 1 claim, $9K

of homes in flood zones
are insured

of all homes
are insured

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

Insurance rates: De Witt County.

Disasters that hit Harp

1 federal disaster brought FEMA money here

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

Brought FEMA money into HarpDeclared for De Witt County only

1999

Il-Winter Storm 1/1/99

$5K to the Township of Harp for repairs

De Witt County has had 9 natural disasters declared since 1953, most often severe storms and tornadoes.

Around Harp

Harp and the towns around it

Very lowLowModerateHighVery high

Clintoniamostly inland floodingModerate

Harpmostly inland floodingModerate

De Wittmostly inland floodingModerate

Creekmostly 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. Harp covers 1 census tract, combined by population.

Money that reached townFlood claims are matched to Harp’s own flood-insurance community (here, the census tracts inside it); household aid to the registrant’s city; repair grants to the Township of Harp. 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 Harp total about $2.2M 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.