Natural hazards · Kirkwood

Kirkwood, IL natural hazards

Most of the natural-hazard damage FEMA expects in Kirkwood comes from drought, and overall the risk is high for a U.S. community. Flood insurance has paid 1 claim here since 2013. 2 federal disasters brought FEMA money into town.

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

Expected damage

How exposed is Kirkwood?

High

vs. U.S. communities

FEMA expects yearly storm and flood damage to homes and buildings in Kirkwood to be higher than in 66% of U.S. communities, mostly from drought and inland flooding.

Drought27%Inland flooding23%Cold waves16%Heat waves9%Strong wind8%Hail6%Everything else10%

By hazard

What Kirkwood faces

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

Drought

27% of expected damage

Recorded about 8 times a year in the area

Inland flooding

23% of expected damage

Above average · higher than 70% of U.S. places

Recorded about once a year in the area

Cold waves

16% of expected damage

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

Recorded about 5 times a year in the area

Heat waves

9% of expected damage

Well above average · higher than 85% of U.S. places

Recorded about 9 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 6 times a year in the area

Hail

6% of expected damage

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

Recorded about 4 times a year in the area

Lower here

HurricanesIce 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 Kirkwood flood?

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

1paid claims since 2013

$3Kpaid to owners

0homes flooded more than once

20132026

Biggest named events

Mid-spring storms: 1 claim, $3K

of all homes
are insured

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

Insurance rates: Warren County.

Disasters that hit Kirkwood

2 federal disasters brought FEMA money here

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

Brought FEMA money into KirkwoodDeclared for Warren County only

2013

Severe Storms, Straight-Line Winds, and Flooding

5 households applied for aid $3K aid approved

2007

Severe Storms and Flooding

$30K to the Village of Kirkwood for repairs

Warren County has had 7 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. Kirkwood 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 Kirkwood’s own flood-insurance community; household aid to the registrant’s city; repair grants to the Village of Kirkwood. 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.