Natural hazards · Loraine

Loraine, IL natural hazards

Most of the natural-hazard damage FEMA expects in Loraine comes from inland flooding, and overall the risk is moderate for a U.S. community. Flood insurance has paid 1 claim here since 1996.

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

Expected damage

How exposed is Loraine?

Moderate

vs. U.S. communities

FEMA expects yearly storm and flood damage to homes and buildings in Loraine to be higher than in 58% of U.S. communities, mostly from inland flooding and drought.

Inland flooding44%Drought19%Strong wind17%Tornadoes8%Everything else12%

By hazard

What Loraine faces

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

Inland flooding

44% of expected damage

Above average · higher than 66% of U.S. places

Recorded about 2 times a year in the area

Drought

19% of expected damage

Recorded about 9 times a year in the area

Strong wind

17% of expected damage

Well above average · among the top 1% of U.S. places

Recorded about 6 times a year in the area

Tornadoes

8% of expected damage

Well above average · higher than 78% of U.S. places

Recorded about once every 6 years in the area

Lower here

HurricanesHailIce stormsWinter weatherCold wavesHeat wavesWildfireEarthquakesLandslidesLightning

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 Loraine flood?

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

1paid claims since 1996

$6Kpaid to owners

0homes flooded more than once

19962026

of homes in flood zones
are insured

of all homes
are insured

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

Insurance rates: Henry County.

Disasters that hit Loraine

Federal disasters declared here

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

Brought FEMA money into LoraineDeclared for Henry County only

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

Around Loraine

Loraine and the towns around it

Very lowLowModerateHighVery high

Portlandmostly inland floodingHigh

Lorainemostly inland floodingModerate

Phenixmostly inland floodingModerate

Yorktownmostly inland floodingModerate

Atkinsonmostly 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. Loraine covers 1 census tract, combined by population.

Money that reached townFlood claims are matched to Loraine’s own flood-insurance community (here, the census tracts inside it); household aid to the registrant’s city; repair grants to the Township of Loraine. 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 Loraine total about $2.7M 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.