Natural hazards · Livingston

Livingston, IL natural hazards

Most of the natural-hazard damage FEMA expects in Livingston comes from inland flooding, and overall the risk is high for a U.S. community. Flood insurance has paid 3 claims here since 2000. 1 federal disaster brought FEMA money into town.

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

Expected damage

How exposed is Livingston?

High

vs. U.S. communities

FEMA expects yearly storm and flood damage to homes and buildings in Livingston to be higher than in 69% of U.S. communities, mostly from inland flooding and earthquakes.

Inland flooding39%Earthquakes21%Tornadoes14%Cold waves10%Heat waves10%Everything else8%

By hazard

What Livingston faces

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

Inland flooding

39% of expected damage

Above average · higher than 73% of U.S. places

Recorded about once a year in the area

Earthquakes

21% of expected damage

Well above average · higher than 83% of U.S. places

Tornadoes

14% of expected damage

Well above average · higher than 83% of U.S. places

Recorded about once every 9 years in the area

Cold waves

10% of expected damage

Well below average · higher than 18% of U.S. places

Recorded about 2 times a year in the area

Heat waves

10% of expected damage

Well above average · higher than 86% of U.S. places

Recorded about 15 times a year in the area

Lower here

HurricanesHailIce stormsWinter weatherWildfireLandslidesStrong 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 Livingston flood?

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

3paid claims since 2000

$49Kpaid to owners

1homes flooded more than once

20002026

Homes that flooded again and again

■ FEMA “severe repetitive loss” (0) ■ flooded 2+ times

of all homes
are insured

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

Insurance rates: Madison County.

Disasters that hit Livingston

1 federal disaster brought FEMA money here

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

Brought FEMA money into LivingstonDeclared for Madison County only

2006

Severe Winter Storm

$6K to the Village of Livingston for repairs

Madison County has had 14 natural disasters declared since 1953, most often floods and severe storms.

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