Natural hazards · Hopkins

Hopkins, IL natural hazards

Most of the natural-hazard damage FEMA expects in Hopkins 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 Hopkins?

Moderate

vs. U.S. communities

FEMA expects yearly storm and flood damage to homes and buildings in Hopkins to be higher than in 49% of U.S. communities, mostly from inland flooding.

Inland flooding50%Drought13%Tornadoes12%Cold waves10%Strong wind6%Everything else10%

By hazard

What Hopkins faces

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

Inland flooding

50% of expected damage

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

Recorded about 2 times a year in the area

Drought

13% of expected damage

Recorded about 12 times a year in the area

Tornadoes

12% of expected damage

Well above average · higher than 77% of U.S. places

Recorded about once every 10 years in the area

Cold waves

10% of expected damage

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

Recorded about 6 times a year in the area

Strong wind

6% of expected damage

Well above average · higher than 89% of U.S. places

Recorded about 6 times a year in the area

Lower here

HurricanesHailIce stormsWinter weatherHeat wavesWildfireEarthquakesLandslidesLightning

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 Hopkins flood?

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

of homes in flood zones
are insured

of all homes
are insured

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

Insurance rates: Whiteside County.

Disasters that hit Hopkins

Federal disasters declared here

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

Brought FEMA money into HopkinsDeclared for Whiteside County only

Whiteside County has had 12 natural disasters declared since 1953, most often floods and winter storms.

Around Hopkins

Hopkins and the towns around it

Very lowLowModerateHighVery high

Colomamostly inland floodingHigh

Mount Pleasantmostly inland floodingModerate

Hopkinsmostly inland floodingModerate

Comomostly inland floodingModerate

Geneseemostly inland floodingModerate

Jordanmostly inland floodingModerate

Sterlingmostly inland floodingModerate

Humemostly inland floodingModerate

Lyndonmostly inland floodingModerate

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