Natural hazards · Love

Love, IL natural hazards

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

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

Expected damage

How exposed is Love?

Low

vs. U.S. communities

FEMA expects yearly storm and flood damage to homes and buildings in Love to be higher than in 33% of U.S. communities, mostly from inland flooding and cold waves.

Inland flooding32%Cold waves24%Drought13%Tornadoes9%Earthquakes8%Everything else14%

By hazard

What Love faces

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

Inland flooding

32% of expected damage

Below average · higher than 36% of U.S. places

Recorded about 2 times a year in the area

Cold waves

24% of expected damage

Above average · higher than 57% of U.S. places

Recorded about 4 times a year in the area

Drought

13% of expected damage

Recorded about 2 times a year in the area

Tornadoes

9% of expected damage

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

Recorded about once every 15 years in the area

Earthquakes

8% of expected damage

Well above average · higher than 75% of U.S. places

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 Love flood?

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

of homes in flood zones
are insured

of all homes
are insured

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

Insurance rates: Vermilion County.

Disasters that hit Love

Federal disasters declared here

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

Brought FEMA money into LoveDeclared for Vermilion County only

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

Around Love

Love and the towns around it

Very lowLowModerateHighVery high

Lovemostly inland floodingLow

McKendreemostly inland floodingLow

Elwoodmostly 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. Love covers 1 census tract, combined by population.

Money that reached townFlood claims are matched to Love’s own flood-insurance community; household aid to the registrant’s city; repair grants to the Township of Love. 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 Love total about $1.0M 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.