Natural hazards · Karnak

Karnak, IL natural hazards

Most of the natural-hazard damage FEMA expects in Karnak comes from earthquakes, and overall the risk is very high for a U.S. community. Flood insurance has paid 2 claims here since 2008. 2 federal disasters brought FEMA money into town.

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

Expected damage

How exposed is Karnak?

Very high

vs. U.S. communities

FEMA expects yearly storm and flood damage to homes and buildings in Karnak to be higher than in 88% of U.S. communities, mostly from earthquakes and cold waves.

Earthquakes45%Cold waves25%Inland flooding10%Strong wind8%Everything else12%

By hazard

What Karnak faces

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

Earthquakes

45% of expected damage

Well above average · higher than 96% of U.S. places

Cold waves

25% of expected damage

Below average · higher than 36% of U.S. places

Recorded about once a year in the area

Inland flooding

10% of expected damage

Above average · higher than 54% of U.S. places

Recorded about 5 times a year 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

Lower here

HurricanesTornadoesHailIce 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 Karnak flood?

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

2paid claims since 2008

$13Kpaid to owners

1homes flooded more than once

20082026

Biggest named events

March storm: 1 claim, $6K
Mid-spring storms: 1 claim, $7K

Homes that flooded again and again

■ FEMA “severe repetitive loss” (0) ■ flooded 2+ times

of all homes
are insured

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

Insurance rates: Pulaski County.

Disasters that hit Karnak

2 federal disasters brought FEMA money here

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

Brought FEMA money into KarnakDeclared for Pulaski County only

2011

Severe Storms and Flooding

28 households applied for aid $72K aid approved

2003

Severe Storms, Tornadoes, and Flooding

46 households applied for aid $124K aid approved

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

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