Natural hazards · La Harpe

La Harpe, IL natural hazards

Most of the natural-hazard damage FEMA expects in La Harpe comes from inland flooding, and overall the risk is high for a U.S. community. 4 federal disasters brought FEMA money into town.

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

Expected damage

How exposed is La Harpe?

High

vs. U.S. communities

FEMA expects yearly storm and flood damage to homes and buildings in La Harpe to be higher than in 63% of U.S. communities, mostly from inland flooding and cold waves.

Inland flooding22%Cold waves21%Drought17%Heat waves15%Strong wind9%Tornadoes7%Everything else10%

By hazard

What La Harpe faces

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

Inland flooding

22% of expected damage

Well above average · higher than 75% of U.S. places

Recorded about 3 times a year in the area

Cold waves

21% of expected damage

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

Recorded about 4 times a year in the area

Drought

17% of expected damage

Recorded about 4 times a year in the area

Heat waves

15% of expected damage

Well above average · higher than 93% of U.S. places

Recorded about 9 times a year in the area

Strong wind

9% of expected damage

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

Recorded about 5 times a year in the area

Tornadoes

7% of expected damage

Above average · higher than 68% of U.S. places

Recorded about once every 9 years 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 La Harpe flood?

FEMA's records show no paid flood insurance claims in La Harpe.

of homes in flood zones
are insured

of all homes
are insured

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

Insurance rates: Hancock County.

Disasters that hit La Harpe

4 federal disasters brought FEMA money here

Disasters the President declared that paid out in La Harpe itself: aid to households, or repair grants to the City of La Harpe.

Brought FEMA money into La HarpeDeclared for Hancock County only

2023

Severe Storms and Flooding

$116K to the City of La Harpe for repairs

2011

Severe Winter Storm and Snowstorm

$3K to the City of La Harpe for repairs

2006

Snow

$2K to the City of La Harpe for repairs

1999

Il-Winter Storm 1/1/99

$1K to the City of La Harpe for repairs

Hancock County has had 17 natural disasters declared since 1953, most often floods and severe storms.

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. La Harpe 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 La Harpe’s own flood-insurance community; household aid to the registrant’s city; repair grants to the City of La Harpe. 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.