Natural hazards · Hartford

Hartford, IL natural hazards

Most of the natural-hazard damage FEMA expects in Hartford comes from inland flooding, and overall the risk is high for a U.S. community. Flood insurance has paid 17 claims here since 1979.

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

Expected damage

How exposed is Hartford?

High

vs. U.S. communities

FEMA expects yearly storm and flood damage to homes and buildings in Hartford to be higher than in 73% of U.S. communities, mostly from inland flooding and earthquakes.

Inland flooding45%Earthquakes26%Tornadoes12%Heat waves6%Cold waves6%Everything else5%

By hazard

What Hartford faces

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

Inland flooding

45% of expected damage

Above average · higher than 74% of U.S. places

Recorded about once a year in the area

Earthquakes

26% of expected damage

Well above average · higher than 85% of U.S. places

Tornadoes

12% of expected damage

Well above average · higher than 86% of U.S. places

Recorded about once every 43 years in the area

Heat waves

6% of expected damage

Well above average · higher than 86% of U.S. places

Recorded about 15 times a year in the area

Cold waves

6% of expected damage

Well below average · higher than 18% of U.S. places

Recorded about 2 times a year in the area

Lower here

HurricanesHailIce stormsWinter weatherWildfireLandslidesStrong 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 Hartford flood?

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

17paid claims since 1979

$70Kpaid to owners

0homes flooded more than once

19792026

Biggest named events

Early winter storms: 3 claims, $47K

of all homes
are insured

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

Insurance rates: Madison County.

Disasters that hit Hartford

Federal disasters declared here

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

Brought FEMA money into HartfordDeclared for Madison County only

Madison County has had 14 natural disasters declared since 1953, most often floods and severe storms.

Around Hartford

Hartford and the towns around it

Very lowLowModerateHighVery high

Granite Citymostly inland floodingVery high

Madisonmostly inland floodingVery high

Wood Rivermostly inland floodingHigh

Hartfordmostly inland floodingHigh

Roxanamostly inland floodingHigh

South Roxanamostly inland floodingHigh

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. Hartford 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 Hartford’s own flood-insurance community; household aid to the registrant’s city; repair grants to the Village of Hartford. 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.