Natural hazards · Harwood

Harwood, IL natural hazards

Most of the natural-hazard damage FEMA expects in Harwood comes from inland flooding, and overall the risk is moderate for a U.S. community.

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

Expected damage

How exposed is Harwood?

Moderate

vs. U.S. communities

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

Inland flooding41%Cold waves17%Drought17%Tornadoes12%Everything else13%

By hazard

What Harwood faces

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

Inland flooding

41% of expected damage

Above average · higher than 57% of U.S. places

Recorded about 2 times a year in the area

Cold waves

17% of expected damage

Above average · higher than 57% of U.S. places

Recorded about 4 times a year in the area

Drought

17% of expected damage

Recorded about once a year in the area

Tornadoes

12% of expected damage

Well above average · higher than 87% of U.S. places

Recorded about once every 6 years in the area

Lower here

HurricanesHailIce stormsWinter weatherHeat wavesWildfireEarthquakesLandslidesStrong windLightning

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 Harwood flood?

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

of homes in flood zones
are insured

of all homes
are insured

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

Insurance rates: Champaign County.

Disasters that hit Harwood

Federal disasters declared here

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

Brought FEMA money into HarwoodDeclared for Champaign County only

Champaign County has had 10 natural disasters declared since 1953, most often tornadoes and severe storms.

Around Harwood

Harwood and the towns around it

Very lowLowModerateHighVery high

Harwoodmostly inland floodingModerate

Kerrmostly inland floodingModerate

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