Natural hazards · Larkinsburg

Larkinsburg, IL natural hazards

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

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

Expected damage

How exposed is Larkinsburg?

High

vs. U.S. communities

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

Inland flooding42%Drought21%Earthquakes14%Tornadoes6%Everything else17%

By hazard

What Larkinsburg faces

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

Inland flooding

42% of expected damage

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

Recorded about 2 times a year in the area

Drought

21% of expected damage

Recorded about 2 times a year in the area

Earthquakes

14% of expected damage

Well above average · higher than 82% of U.S. places

Tornadoes

6% of expected damage

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

Recorded about once every 8 years in the area

Lower here

HurricanesHailIce stormsWinter weatherCold wavesHeat wavesWildfireLandslidesStrong windLightning

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 Larkinsburg flood?

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

of all homes
are insured

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

Insurance rates: Clay County.

Disasters that hit Larkinsburg

Federal disasters declared here

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

Brought FEMA money into LarkinsburgDeclared for Clay County only

Clay County has had 3 natural disasters declared since 1953, most often winter storms and hurricanes.

Around Larkinsburg

Larkinsburg and the towns around it

Very lowLowModerateHighVery high

La Cledemostly inland floodingHigh

Oskaloosamostly inland floodingHigh

Larkinsburgmostly inland floodingHigh

Blairmostly inland floodingHigh

Meachammostly earthquakesModerate

Masonmostly 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. Larkinsburg 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 Larkinsburg’s own flood-insurance community; household aid to the registrant’s city; repair grants to the Township of Larkinsburg. 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.