Natural hazards · Lane

Lane, IL natural hazards

Most of the natural-hazard damage FEMA expects in Lane comes from inland flooding, and overall the risk is moderate for a U.S. community.

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

Expected damage

How exposed is Lane?

Moderate

vs. U.S. communities

FEMA expects yearly storm and flood damage to homes and buildings in Lane to be higher than in 43% of U.S. communities, mostly from inland flooding and drought.

Inland flooding36%Drought18%Cold waves17%Tornadoes10%Strong wind7%Earthquakes7%Everything else6%

By hazard

What Lane faces

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

Inland flooding

36% of expected damage

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

Recorded about once a year in the area

Drought

18% of expected damage

Recorded about 4 times a year in the area

Cold waves

17% of expected damage

Above average · higher than 58% of U.S. places

Recorded about 4 times a year in the area

Tornadoes

10% of expected damage

Well above average · higher than 88% of U.S. places

Recorded about once every 5 years in the area

Strong wind

7% of expected damage

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

Recorded about 5 times a year in the area

Earthquakes

7% of expected damage

Well above average · higher than 76% of U.S. places

Lower here

HurricanesHailIce stormsWinter weatherHeat wavesWildfireLandslidesLightning

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 Lane flood?

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

of homes in flood zones
are insured

of all homes
are insured

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

Insurance rates: De Witt County.

Disasters that hit Lane

Federal disasters declared here

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

Brought FEMA money into LaneDeclared for De Witt County only

De Witt County has had 9 natural disasters declared since 1953, most often severe storms and tornadoes.

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. Lane 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 Lane’s own flood-insurance community; household aid to the registrant’s city; repair grants to Lane. 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.