Natural hazards · Junction

Junction, IL natural hazards

Most of the natural-hazard damage FEMA expects in Junction comes from inland flooding, and overall the risk is high for a U.S. community. Flood insurance has paid 11 claims here since 1997. 1 federal disaster brought FEMA money into town.

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

Expected damage

How exposed is Junction?

High

vs. U.S. communities

FEMA expects yearly storm and flood damage to homes and buildings in Junction to be higher than in 79% of U.S. communities, mostly from inland flooding and earthquakes.

Inland flooding36%Earthquakes22%Heat waves11%Tornadoes8%Strong wind8%Cold waves5%Everything else9%

By hazard

What Junction faces

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

Inland flooding

36% of expected damage

Well above average · higher than 79% of U.S. places

Recorded about 6 times a year in the area

Earthquakes

22% of expected damage

Well above average · higher than 86% of U.S. places

Heat waves

11% of expected damage

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

Recorded about 10 times a year in the area

Tornadoes

8% of expected damage

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

Recorded about once every 7 years in the area

Strong wind

8% of expected damage

Well above average · among the top 1% of U.S. places

Recorded about 4 times a year in the area

Cold waves

5% of expected damage

Below average · higher than 39% of U.S. places

Recorded about once a year in the area

Lower here

HurricanesHailIce stormsWinter weatherWildfireLandslidesLightning

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 Junction flood?

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

11paid claims since 1997

$119Kpaid to owners

0homes flooded more than once

19972026

Biggest named events

Mid-spring storms: 4 claims, $87K

of homes in flood zones
are insured

of all homes
are insured

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

Insurance rates: Gallatin County.

What’s been done with FEMA grants

13flood-prone properties bought out and cleared

2homes raised above flood level

Disasters that hit Junction

1 federal disaster brought FEMA money here

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

Brought FEMA money into JunctionDeclared for Gallatin County only

2011

Severe Storms and Flooding

66 households applied for aid $1.0M aid approved

Gallatin County has had 9 natural disasters declared since 1953, most often severe storms and hurricanes.

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