Natural hazards · Limestone

Limestone, IL natural hazards

Most of the natural-hazard damage FEMA expects in Limestone comes from cold waves, and overall the risk is low for a U.S. community. Flood insurance has paid 153 claims here since 1978. 1 federal disaster brought FEMA money into town.

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

Expected damage

How exposed is Limestone?

Low

vs. U.S. communities

FEMA expects yearly storm and flood damage to homes and buildings in Limestone to be higher than in 25% of U.S. communities, mostly from cold waves and inland flooding.

Cold waves34%Inland flooding31%Tornadoes16%Heat waves5%Everything else13%

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.

Cold waves

34% of expected damage

Above average · higher than 61% of U.S. places

Recorded about 5 times a year in the area

Inland flooding

31% of expected damage

Below average · higher than 29% of U.S. places

Recorded about 2 times a year in the area

Tornadoes

16% of expected damage

Well above average · higher than 89% of U.S. places

Recorded about once every 99 years in the area

Heat waves

5% of expected damage

Well below average · higher than 23% of U.S. places

Recorded about 7 times a year in the area

Lower here

HurricanesHailIce stormsWinter weatherWildfireEarthquakesLandslidesStrong 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.

153paid claims since 1978

$3.1Mpaid to owners

0homes flooded more than once

19782026

Biggest named events

Mid-spring storms: 31 claims, $1.5M
Midwest Flooding: 17 claims, $265K

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: Peoria County.

Disasters that hit Limestone

1 federal disaster brought FEMA money here

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

Brought FEMA money into LimestoneDeclared for Peoria County only

1999

Il-Winter Storm 1/1/99

$8K to the Township of Limestone for repairs

Peoria County has had 13 natural disasters declared since 1953, most often floods and winter storms.

Around Limestone

Limestone and the towns around it

Very lowLowModerateHighVery high

Pekinmostly inland floodingModerate

Hollismostly inland floodingModerate

West Peoriamostly inland floodingModerate

Loganmostly inland floodingLow

Lake Camelotmostly inland floodingLow

Peoria Citymostly inland floodingLow

Peoriamostly inland floodingLow

Kickapoomostly cold wavesLow

Limestonemostly cold wavesLow

Creve Coeurmostly cold wavesVery low

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 4 census tracts, 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 $7.4M 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.