Natural hazards · Loami

Loami, IL natural hazards

Most of the natural-hazard damage FEMA expects in Loami comes from inland flooding, and overall the risk is low for a U.S. community. 1 federal disaster brought FEMA money into town.

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

Expected damage

How exposed is Loami?

Low

vs. U.S. communities

FEMA expects yearly storm and flood damage to homes and buildings in Loami to be higher than in 38% of U.S. communities, mostly from inland flooding and drought.

Inland flooding30%Drought21%Earthquakes16%Tornadoes13%Cold waves9%Everything else12%

By hazard

What Loami faces

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

Inland flooding

30% of expected damage

Below average · higher than 32% of U.S. places

Recorded about 2 times a year in the area

Drought

21% of expected damage

Recorded about 4 times a year in the area

Earthquakes

16% of expected damage

Well above average · higher than 80% of U.S. places

Tornadoes

13% of expected damage

Well above average · higher than 92% of U.S. places

Recorded about once every 5 years in the area

Cold waves

9% of expected damage

Above average · higher than 56% of U.S. places

Recorded about 3 times a year in the area

Lower here

HurricanesHailIce stormsWinter weatherHeat 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 Loami flood?

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

of homes in flood zones
are insured

of all homes
are insured

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

Insurance rates: Sangamon County.

Disasters that hit Loami

1 federal disaster brought FEMA money here

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

Brought FEMA money into LoamiDeclared for Sangamon County only

1999

Il-Winter Storm 1/1/99

$3K to the Township of Loami for repairs

Sangamon County has had 10 natural disasters declared since 1953, most often severe storms and winter storms.

Around Loami

Loami and the towns around it

Very lowLowModerateHighVery high

Chathammostly inland floodingModerate

Loamimostly inland floodingLow

Maxwellmostly inland floodingLow

New Berlinmostly inland floodingLow

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