Natural hazards · Limestone

Limestone, IL natural hazards

Most of the natural-hazard damage FEMA expects in Limestone comes from inland flooding, and overall the risk is high for a U.S. community. Flood insurance has paid 5 claims here since 1982.

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

Expected damage

How exposed is Limestone?

High

vs. U.S. communities

FEMA expects yearly storm and flood damage to homes and buildings in Limestone to be higher than in 76% of U.S. communities, mostly from inland flooding.

Inland flooding74%Cold waves13%Tornadoes7%Everything else6%

By hazard

What Limestone faces

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

Inland flooding

74% of expected damage

Well above average · higher than 91% of U.S. places

Recorded about once a year in the area

Cold waves

13% of expected damage

Well below average · higher than 17% of U.S. places

Recorded about 4 times a year in the area

Tornadoes

7% of expected damage

Well above average · higher than 77% of U.S. places

Recorded about once every 28 years in the area

Lower here

HurricanesHailIce stormsWinter weatherHeat wavesWildfireEarthquakesLandslidesStrong 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 Limestone flood?

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

5paid claims since 1982

$105Kpaid to owners

0homes flooded more than once

19822026

of homes in flood zones
are insured

of all homes
are insured

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

Insurance rates: Kankakee County.

Disasters that hit Limestone

Federal disasters declared here

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

Brought FEMA money into LimestoneDeclared for Kankakee County only

Kankakee County has had 5 natural disasters declared since 1953, most often winter storms and hurricanes.

Around Limestone

Limestone and the towns around it

Very lowLowModerateHighVery high

Kankakeemostly inland floodingVery high

Ottomostly inland floodingHigh

Pilotmostly inland floodingHigh

Limestonemostly inland floodingHigh

Rockvillemostly inland floodingHigh

Salinamostly inland floodingHigh

Bourbonnaismostly 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. Limestone covers 1 census tract, combined by population.

Money that reached townFlood claims are matched to Limestone’s own flood-insurance community (here, the census tracts inside it); household aid to the registrant’s city; repair grants to the Township of Limestone. 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 Limestone total about $3.5M 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.