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Natural hazards · Isabel

Isabel, IL natural hazards

Most of the natural-hazard damage FEMA expects in Isabel comes from inland flooding, and overall the risk is low for a U.S. community. 3 federal disasters brought FEMA money into town.

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

How exposed is Isabel?

29
Low
vs. U.S. communities

FEMA expects yearly storm and flood damage to homes and buildings in Isabel to be higher than in 29% of U.S. communities, mostly from inland flooding.

Inland flooding40%Tornadoes14%Cold waves12%Earthquakes11%Hail8%Strong wind6%Everything else11%
By hazard

What Isabel faces

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

Inland flooding

40% of expected damage
Well below average · higher than 19% of U.S. places
Recorded about 2 times a year in the area

Tornadoes

14% of expected damage
Well above average · higher than 91% of U.S. places
Recorded about once every 7 years in the area

Cold waves

12% of expected damage
Above average · higher than 61% of U.S. places
Recorded about 5 times a year in the area

Earthquakes

11% of expected damage
Well above average · higher than 75% of U.S. places

Hail

8% of expected damage
Well above average · higher than 90% of U.S. places
Recorded about 4 times a year in the area

Strong wind

6% of expected damage
Well above average · higher than 91% of U.S. places
Recorded about 5 times a year in the area

Lower here

HurricanesIce stormsWinter weatherHeat wavesWildfireLandslidesLightningDrought

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 Isabel flood?

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

of homes in flood zones
are insured
of all homes
are insured
No community discount. Isabel isn’t in FEMA’s Community Rating System, which cuts flood insurance up to 45% in towns that do extra flood-proofing.
Insurance rates: Fulton County.
Disasters that hit Isabel

3 federal disasters brought FEMA money here

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

Brought FEMA money into IsabelDeclared for Fulton County only
2011

Severe Winter Storm and Snowstorm

$2K to the Township of Isabel for repairs
2006

Snow

$2K to the Township of Isabel for repairs
1999

Il-Winter Storm 1/1/99

$2K to the Township of Isabel for repairs
Fulton County has had 18 natural disasters declared since 1953, most often floods and winter storms.
Around Isabel

Isabel and the towns around it

Waterford: Low, mostly inland floodingKerton: Low, mostly inland floodingPleasant: Low, mostly inland floodingHavana: High, mostly inland floodingHavana: High, mostly inland floodingQuiver: Moderate, mostly inland floodingLewistown: Low, mostly inland floodingBath: Very high, mostly inland floodingWoodland: Low, mostly inland floodingHickory: High, mostly inland floodingVermont: Low, mostly inland floodingBernadotte: Low, mostly inland floodingSherman: Moderate, mostly inland floodingIsabel: Low, mostly inland flooding IsabelWaterfordKertonPleasantHavanaHavana
Very lowLowModerateHighVery high
Havanamostly inland floodingHigh
Havanamostly inland floodingHigh
Waterfordmostly inland floodingLow
Isabelmostly inland floodingLow
Kertonmostly inland floodingLow
Pleasantmostly 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. Isabel 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 Isabel’s own flood-insurance community; household aid to the registrant’s city; repair grants to the Township of Isabel. 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.

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Boundary source: https://tigerweb.geo.census.gov/arcgis/rest/services/TIGERweb/Places_CouSub_ConCity_SubMCD/MapServer/15 · 2025-01-01
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