Natural hazards · Lafayette

Lafayette, IL natural hazards

Most of the natural-hazard damage FEMA expects in Lafayette comes from inland flooding, and overall the risk is high for a U.S. community. Flood insurance has paid 4 claims here since 1980.

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

Expected damage

How exposed is Lafayette?

High

vs. U.S. communities

FEMA expects yearly storm and flood damage to homes and buildings in Lafayette to be higher than in 70% of U.S. communities, mostly from inland flooding and earthquakes.

Inland flooding57%Earthquakes16%Tornadoes10%Cold waves8%Everything else10%

By hazard

What Lafayette faces

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

Inland flooding

57% of expected damage

Well above average · higher than 81% of U.S. places

Recorded about 2 times a year in the area

Earthquakes

16% of expected damage

Well above average · higher than 81% of U.S. places

Tornadoes

10% of expected damage

Well above average · higher than 79% of U.S. places

Cold waves

8% of expected damage

Above average · higher than 53% of U.S. places

Recorded about 2 times a year in the area

Lower here

HurricanesHailIce stormsWinter weatherHeat wavesWildfireLandslidesStrong windLightningDrought

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 Lafayette flood?

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

4paid claims since 1980

$7Kpaid to owners

0homes flooded more than once

19802026

of homes in flood zones
are insured

of all homes
are insured

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

Insurance rates: Coles County.

Disasters that hit Lafayette

Federal disasters declared here

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

Brought FEMA money into LafayetteDeclared for Coles County only

Coles County has had 7 natural disasters declared since 1953, most often severe storms and tornadoes.

Around Lafayette

Lafayette and the towns around it

Very lowLowModerateHighVery high

Humboldtmostly inland floodingHigh

Mattoonmostly inland floodingHigh

Pleasant Grovemostly inland floodingHigh

Lafayettemostly inland floodingHigh

Charlestonmostly inland floodingHigh

Mattoonmostly 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. Lafayette covers 2 census tracts, combined by population.

Money that reached townFlood claims are matched to Lafayette’s own flood-insurance community (here, the census tracts inside it); household aid to the registrant’s city; repair grants to the Township of Lafayette. 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 Lafayette total about $4.1M 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.