Natural hazards · Lovington

Lovington, IL natural hazards

Most of the natural-hazard damage FEMA expects in Lovington comes from inland flooding, and overall the risk is high for a U.S. community. Flood insurance has paid 4 claims here since 2002.

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

Expected damage

How exposed is Lovington?

High

vs. U.S. communities

FEMA expects yearly storm and flood damage to homes and buildings in Lovington to be higher than in 76% of U.S. communities, mostly from inland flooding and drought.

Inland flooding36%Drought22%Cold waves16%Tornadoes7%Earthquakes6%Strong wind6%Everything else8%

By hazard

What Lovington faces

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

Inland flooding

36% of expected damage

Well above average · higher than 87% of U.S. places

Recorded about once a year in the area

Drought

22% of expected damage

Recorded about 2 times a year in the area

Cold waves

16% of expected damage

Above average · higher than 54% of U.S. places

Recorded about 3 times a year in the area

Tornadoes

7% of expected damage

Well above average · higher than 87% of U.S. places

Recorded about once every 9 years in the area

Earthquakes

6% of expected damage

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

Strong wind

6% of expected damage

Well above average · higher than 91% of U.S. places

Recorded about 5 times a year in the area

Lower here

HurricanesHailIce stormsWinter weatherHeat wavesWildfireLandslidesLightning

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 Lovington flood?

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

4paid claims since 2002

$31Kpaid to owners

0homes flooded more than once

20022026

of homes in flood zones
are insured

of all homes
are insured

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

Insurance rates: Moultrie County.

Disasters that hit Lovington

Federal disasters declared here

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

Brought FEMA money into LovingtonDeclared for Moultrie County only

Moultrie County has had 8 natural disasters declared since 1953, most often severe storms and tornadoes.

Around Lovington

Lovington and the towns around it

Very lowLowModerateHighVery high

Lovingtonmostly inland floodingHigh

Lowemostly inland floodingHigh

Jonathan Creekmostly inland floodingHigh

Doramostly inland floodingHigh

Sullivanmostly inland floodingHigh

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. Lovington covers 1 census tract, combined by population.

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