Natural hazards · Kinderhook

Kinderhook, IL natural hazards

Most of the natural-hazard damage FEMA expects in Kinderhook comes from inland flooding, and overall the risk is very high for a U.S. community. Flood insurance has paid 121 claims here since 1978.

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

Expected damage

How exposed is Kinderhook?

Very high

vs. U.S. communities

FEMA expects yearly storm and flood damage to homes and buildings in Kinderhook to be higher than in 87% of U.S. communities, mostly from inland flooding.

Inland flooding45%Cold waves13%Drought13%Heat waves12%Strong wind6%Everything else11%

By hazard

What Kinderhook faces

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

Inland flooding

45% of expected damage

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

Recorded about once a year in the area

Cold waves

13% of expected damage

Below average · higher than 48% of U.S. places

Recorded about 3 times a year in the area

Drought

13% of expected damage

Recorded about 6 times a year in the area

Heat waves

12% of expected damage

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

Recorded about 9 times a year in the area

Strong wind

6% of expected damage

Well above average · higher than 90% of U.S. places

Recorded about 4 times a year in the area

Lower here

HurricanesTornadoesHailIce stormsWinter weatherWildfireEarthquakesLandslidesLightning

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 Kinderhook flood?

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

121paid claims since 1978

$3.9Mpaid to owners

0homes flooded more than once

19782026

Biggest named events

Midwest Flooding: 107 claims, $3.7M
Mid-spring storms: 1 claim, $43K

of homes in flood zones
are insured

of all homes
are insured

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

Insurance rates: Pike County.

Disasters that hit Kinderhook

Federal disasters declared here

None of the disasters declared for Pike County shows FEMA aid or repair money reaching Kinderhook itself in FEMA’s records.

Brought FEMA money into KinderhookDeclared for Pike County only

Pike County has had 23 natural disasters declared since 1953, most often floods and severe storms.

Around Kinderhook

Kinderhook and the towns around it

Very lowLowModerateHighVery high

Kinderhookmostly inland floodingVery high

Barrymostly inland floodingVery high

Leveemostly inland floodingVery high

Cincinnatimostly inland floodingVery high

Paysonmostly 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. Kinderhook covers 1 census tract, combined by population.

Money that reached townFlood claims are matched to Kinderhook’s own flood-insurance community (here, the census tracts inside it); household aid to the registrant’s city; repair grants to the Township of Kinderhook. 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 Kinderhook total about $1.8M 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.