Natural hazards · Harris

Harris, IL natural hazards

Most of the natural-hazard damage FEMA expects in Harris comes from inland flooding, and overall the risk is low for a U.S. community. 3 federal disasters brought FEMA money into town.

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

Expected damage

How exposed is Harris?

Low

vs. U.S. communities

FEMA expects yearly storm and flood damage to homes and buildings in Harris to be higher than in 25% of U.S. communities, mostly from inland flooding and tornadoes.

Inland flooding38%Tornadoes15%Cold waves11%Earthquakes11%Hail9%Strong wind6%Everything else11%

By hazard

What Harris faces

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

Inland flooding

38% of expected damage

Well below average · higher than 14% of U.S. places

Recorded about 2 times a year in the area

Tornadoes

15% of expected damage

Well above average · higher than 90% of U.S. places

Recorded about once every 6 years in the area

Cold waves

11% of expected damage

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

Recorded about 5 times a year in the area

Earthquakes

11% of expected damage

Above average · higher than 73% of U.S. places

Hail

9% of expected damage

Well above average · higher than 90% of U.S. places

Recorded about 4 times a year in the area

Strong wind

6% of expected damage

Well above average · higher than 91% of U.S. places

Recorded about 6 times a year in the area

Lower here

HurricanesIce stormsWinter weatherHeat wavesWildfireLandslidesLightningDrought

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 Harris flood?

FEMA's records show no paid flood insurance claims in Harris.

of homes in flood zones
are insured

of all homes
are insured

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

Insurance rates: Fulton County.

Disasters that hit Harris

3 federal disasters brought FEMA money here

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

Brought FEMA money into HarrisDeclared for Fulton County only

2013

Severe Storms, Straight-Line Winds, and Flooding

$21K to the Township of Harris for repairs

2006

Snow

$2K to the Township of Harris for repairs

1999

Il-Winter Storm 1/1/99

$2K to the Township of Harris for repairs

Fulton County has had 18 natural disasters declared since 1953, most often floods and winter storms.

Around Harris

Harris and the towns around it

Very lowLowModerateHighVery high

Moundmostly droughtModerate

Leemostly inland floodingLow

Harrismostly inland floodingLow

Cassmostly inland floodingLow

Farmersmostly 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. Harris 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 Harris’s own flood-insurance community; household aid to the registrant’s city; repair grants to the Township of Harris. 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.