Natural hazards · Humboldt

Humboldt, IL natural hazards

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

High

vs. U.S. communities

FEMA expects yearly storm and flood damage to homes and buildings in Humboldt to be higher than in 75% of U.S. communities, mostly from inland flooding and drought.

Inland flooding49%Drought22%Earthquakes10%Tornadoes6%Cold waves6%Everything else6%

By hazard

What Humboldt faces

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

Inland flooding

49% of expected damage

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

Recorded about 2 times a year in the area

Drought

22% of expected damage

Recorded about 2 times a year in the area

Earthquakes

10% of expected damage

Well above average · higher than 80% of U.S. places

Tornadoes

6% of expected damage

Well above average · higher than 80% of U.S. places

Recorded about once every 7 years in the area

Cold waves

6% of expected damage

Above average · higher than 53% of U.S. places

Recorded about 2 times a year in the area

Lower here

HurricanesHailIce stormsWinter weatherHeat wavesWildfireLandslidesStrong 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 Humboldt flood?

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

of homes in flood zones
are insured

of all homes
are insured

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

Insurance rates: Coles County.

Disasters that hit Humboldt

1 federal disaster brought FEMA money here

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

Brought FEMA money into HumboldtDeclared for Coles County only

2008

Severe Storms and Flooding

8 households applied for aid $64K aid approved

Coles County has had 7 natural disasters declared since 1953, most often severe storms and tornadoes.

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

Humboldt, IL natural hazards

How exposed is Humboldt?

What Humboldt faces

Inland flooding

Drought

Earthquakes

Tornadoes

Cold waves

Lower here

Not a risk here

Does Humboldt flood?

1 federal disaster brought FEMA money here

Severe Storms and Flooding

How to read this page

Where to, neighbor?

Matches

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