Natural hazards · Loudon

Loudon, IL natural hazards

Most of the natural-hazard damage FEMA expects in Loudon comes from inland flooding, and overall the risk is high for a U.S. community.

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

Expected damage

How exposed is Loudon?

High

vs. U.S. communities

FEMA expects yearly storm and flood damage to homes and buildings in Loudon to be higher than in 60% of U.S. communities, mostly from inland flooding and earthquakes.

Inland flooding40%Earthquakes22%Cold waves11%Tornadoes9%Heat waves7%Everything else12%

By hazard

What Loudon faces

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

Inland flooding

40% of expected damage

Above average · higher than 63% of U.S. places

Recorded about once a year in the area

Earthquakes

22% of expected damage

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

Cold waves

11% of expected damage

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

Recorded about 2 times a year in the area

Tornadoes

9% of expected damage

Above average · higher than 74% of U.S. places

Recorded about once every 14 years in the area

Heat waves

7% of expected damage

Above average · higher than 65% of U.S. places

Recorded about 10 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 Loudon flood?

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

of all homes
are insured

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

Insurance rates: Fayette County.

Disasters that hit Loudon

Federal disasters declared here

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

Brought FEMA money into LoudonDeclared for Fayette County only

Fayette County has had 6 natural disasters declared since 1953, most often tornadoes and winter storms.

Around Loudon

Loudon and the towns around it

Very lowLowModerateHighVery high

Bowling Greenmostly inland floodingHigh

Carsonmostly inland floodingHigh

Seftonmostly inland floodingHigh

Loudonmostly inland floodingHigh

Avenamostly inland floodingHigh

Dry Pointmostly inland floodingModerate

Moccasinmostly inland floodingModerate

Libertymostly 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. Loudon covers 1 census tract, combined by population.

Money that reached townFlood claims are matched to Loudon’s own flood-insurance community; household aid to the registrant’s city; repair grants to the Township of Loudon. 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 Loudon total about $1.7M 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.