Natural hazards · Henderson

Henderson, IL natural hazards

Most of the natural-hazard damage FEMA expects in Henderson comes from inland flooding, and overall the risk is high for a U.S. community. 1 federal disaster brought FEMA money into town.

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

Expected damage

How exposed is Henderson?

High

vs. U.S. communities

FEMA expects yearly storm and flood damage to homes and buildings in Henderson to be higher than in 60% of U.S. communities, mostly from inland flooding and strong winds.

Inland flooding33%Strong wind18%Cold waves13%Tornadoes12%Heat waves7%Drought6%Everything else11%

By hazard

What Henderson faces

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

Inland flooding

33% of expected damage

Above average · higher than 64% of U.S. places

Recorded about once a year in the area

Strong wind

18% of expected damage

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

Recorded about 6 times a year in the area

Cold waves

13% of expected damage

Above average · higher than 62% of U.S. places

Recorded about 6 times a year in the area

Tornadoes

12% of expected damage

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

Recorded about once every 10 years in the area

Heat waves

7% of expected damage

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

Recorded about 6 times a year in the area

Drought

6% of expected damage

Recorded about 9 times a year 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 Henderson flood?

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

of homes in flood zones
are insured

of all homes
are insured

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

Insurance rates: Knox County.

Disasters that hit Henderson

1 federal disaster brought FEMA money here

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

Brought FEMA money into HendersonDeclared for Knox County only

2013

Severe Storms, Straight-Line Winds, and Flooding

5 households applied for aid $4K aid approved

Knox County has had 9 natural disasters declared since 1953, most often floods and winter storms.

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

Henderson, IL natural hazards

How exposed is Henderson?

What Henderson faces

Inland flooding

Strong wind

Cold waves

Tornadoes

Heat waves

Drought

Lower here

Not a risk here

Does Henderson flood?

1 federal disaster brought FEMA money here

Severe Storms, Straight-Line Winds, and Flooding

How to read this page

Where to, neighbor?

Matches

Nearby