TownTapestry
Sign inJoin
LaddGood night
Natural hazards · Ladd

Ladd, IL natural hazards

Most of the natural-hazard damage FEMA expects in Ladd comes from inland flooding, and overall the risk is low for a U.S. community. Flood insurance has paid 1 claim here since 1978. 5 federal disasters brought FEMA money into town.

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

How exposed is Ladd?

30
Low
vs. U.S. communities

FEMA expects yearly storm and flood damage to homes and buildings in Ladd to be higher than in 30% of U.S. communities, mostly from inland flooding and tornadoes.

Inland flooding39%Tornadoes24%Cold waves16%Strong wind5%Everything else16%
By hazard

What Ladd faces

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

Inland flooding

39% of expected damage
Below average · higher than 32% of U.S. places
Recorded about once a year in the area

Tornadoes

24% of expected damage
Well above average · higher than 92% of U.S. places
Recorded about once every 60 years in the area

Cold waves

16% of expected damage
Well below average · higher than 17% of U.S. places
Recorded about 5 times a year in the area

Strong wind

5% of expected damage
Well above average · higher than 91% of U.S. places
Recorded about 6 times a year in the area

Lower here

HurricanesHailIce stormsWinter weatherHeat wavesWildfireEarthquakesLandslidesLightningDrought

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 Ladd flood?

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

1paid claims since 1978
$2Kpaid to owners
0homes flooded more than once
19782026
of homes in flood zones
are insured
of all homes
are insured
No community discount. Ladd isn’t in FEMA’s Community Rating System, which cuts flood insurance up to 45% in towns that do extra flood-proofing.
Insurance rates: Bureau County.
Disasters that hit Ladd

5 federal disasters brought FEMA money here

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

Brought FEMA money into LaddDeclared for Bureau County only
2013

Severe Storms, Straight-Line Winds, and Flooding

58 households applied for aid $100K aid approved $15K to the Village of Ladd for repairs
2011

Severe Winter Storm and Snowstorm

$4K to the Village of Ladd for repairs
2006

Snow

$4K to the Village of Ladd for repairs
2000

Illinois Winter Snow Storms

$1K to the Village of Ladd for repairs
1999

Il-Winter Storm 1/1/99

$4K to the Village of Ladd for repairs
Bureau County has had 15 natural disasters declared since 1953, most often floods and winter 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. Ladd 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 Ladd’s own flood-insurance community; household aid to the registrant’s city; repair grants to the Village of Ladd. 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.

We left the porch light on

Where to, neighbor?

You’re in Ladd, ILView boundary

Nearby

All towns & citiesExplore the map

Local begins with a boundary.

See what belongs to your selected town.

Loading boundary…

Ladd is your selected town. The feed includes posts assigned to this town, not a distance radius or ZIP code.

Neighborhoods narrow the feed further, while townwide announcements, events, and issues remain visible.

Boundary source: https://tigerweb.geo.census.gov/arcgis/rest/services/TIGERweb/Places_CouSub_ConCity_SubMCD/MapServer/18 · 2025-01-01
Open detailed map