Natural hazards · Lowpoint

Lowpoint, IL natural hazards

Most of the natural-hazard damage FEMA expects in Lowpoint comes from inland flooding, and overall the risk is high for a U.S. community. 2 federal disasters brought FEMA money into town.

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

Expected damage

How exposed is Lowpoint?

High

vs. U.S. communities

FEMA expects yearly storm and flood damage to homes and buildings in Lowpoint to be higher than in 65% of U.S. communities, mostly from inland flooding.

Inland flooding58%Cold waves13%Drought12%Tornadoes8%Everything else9%

By hazard

What Lowpoint faces

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

Inland flooding

58% of expected damage

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

Recorded about once a year in the area

Cold waves

13% of expected damage

Above average · higher than 61% of U.S. places

Recorded about 5 times a year in the area

Drought

12% of expected damage

Recorded about 9 times a year in the area

Tornadoes

8% of expected damage

Above average · higher than 72% of U.S. places

Recorded about once every 9 years in the area

Lower here

HurricanesHailIce stormsWinter weatherHeat wavesWildfireEarthquakesLandslidesStrong 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 Lowpoint flood?

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

of homes in flood zones
are insured

of all homes
are insured

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

Insurance rates: Woodford County.

Disasters that hit Lowpoint

2 federal disasters brought FEMA money here

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

Brought FEMA money into LowpointDeclared for Woodford County only

2013

Severe Storms, Straight-Line Winds, and Flooding

1 household applied for aid $15K aid approved

2008

Severe Storms and Flooding

1 household applied for aid $788 aid approved

Woodford County has had 12 natural disasters declared since 1953, most often floods and severe storms.

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