Natural hazards · Jerome

Jerome, IL natural hazards

Most of the natural-hazard damage FEMA expects in Jerome comes from inland flooding, and overall the risk is moderate for a U.S. community. Flood insurance has paid 2 claims here since 2014. 5 federal disasters brought FEMA money into town.

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

Expected damage

How exposed is Jerome?

Moderate

vs. U.S. communities

FEMA expects yearly storm and flood damage to homes and buildings in Jerome to be higher than in 44% of U.S. communities, mostly from inland flooding and cold waves.

Inland flooding33%Cold waves20%Tornadoes18%Earthquakes13%Heat waves11%Everything else6%

By hazard

What Jerome 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

Below average · higher than 44% of U.S. places

Recorded about 2 times a year in the area

Cold waves

20% of expected damage

Above average · higher than 56% of U.S. places

Recorded about 3 times a year in the area

Tornadoes

18% of expected damage

Well above average · higher than 92% of U.S. places

Earthquakes

13% of expected damage

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

Heat waves

11% of expected damage

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

Recorded about 8 times a year in the area

Lower here

HurricanesHailIce stormsWinter weatherWildfireLandslidesStrong windLightning

Not a risk here

Coastal floodingDroughtAvalanchesTsunamisVolcanic 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 Jerome flood?

Every paid claim on a federal flood insurance policy in Jerome, from FEMA’s records.

2paid claims since 2014

$74Kpaid to owners

0homes flooded more than once

20142026

of homes in flood zones
are insured

of all homes
are insured

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

Insurance rates: Sangamon County.

Disasters that hit Jerome

5 federal disasters brought FEMA money here

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

Brought FEMA money into JeromeDeclared for Sangamon County only

2023

Severe Storms and Flooding

$25K to the Village of Jerome for repairs

2011

Severe Winter Storm and Snowstorm

$6K to the Village of Jerome for repairs

2006

Severe Winter Storm

$11K to the Village of Jerome for repairs

2006

Tornadoes and Severe Storms

6 households applied for aid $700 aid approved $49K to the Village of Jerome for repairs

1999

Il-Winter Storm 1/1/99

$2K to the Village of Jerome for repairs

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

Around Jerome

Jerome and the towns around it

Very lowLowModerateHighVery high

Jeromemostly inland floodingModerate

Woodsidemostly 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. Jerome covers 1 census tract, combined by population.

Money that reached townFlood claims are matched to Jerome’s own flood-insurance community; household aid to the registrant’s city; repair grants to the Village of Jerome. FEMA’s model follows property values, so a place that recently lost many homes can rate lower than it feels.

FEMA’s expected losses across Jerome total about $1.2M a year, counting buildings, people and crops.

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.