Natural hazards · Ludlow

Ludlow, IL natural hazards

Most of the natural-hazard damage FEMA expects in Ludlow comes from inland flooding, and overall the risk is low for a U.S. community. 1 federal disaster brought FEMA money into town.

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

Expected damage

How exposed is Ludlow?

Low

vs. U.S. communities

FEMA expects yearly storm and flood damage to homes and buildings in Ludlow to be higher than in 35% of U.S. communities, mostly from inland flooding and cold waves.

Inland flooding38%Cold waves30%Tornadoes16%Everything else17%

By hazard

What Ludlow faces

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

Inland flooding

38% of expected damage

Below average · higher than 48% of U.S. places

Recorded about 2 times a year in the area

Cold waves

30% of expected damage

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

Recorded about 4 times a year in the area

Tornadoes

16% of expected damage

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

Lower here

HurricanesHailIce stormsWinter weatherHeat wavesWildfireEarthquakesLandslidesStrong 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 Ludlow flood?

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

of homes in flood zones
are insured

of all homes
are insured

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

Insurance rates: Champaign County.

Disasters that hit Ludlow

1 federal disaster brought FEMA money here

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

Brought FEMA money into LudlowDeclared for Champaign County only

1999

Il-Winter Storm 1/1/99

$4K to the Township of Ludlow for repairs

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

Around Ludlow

Ludlow and the towns around it

Very lowLowModerateHighVery high

East Bendmostly inland floodingHigh

Harwoodmostly inland floodingModerate

Rantoulmostly inland floodingLow

Ludlowmostly inland floodingLow

Pattonmostly cold wavesLow

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. Ludlow covers 1 census tract, combined by population.

Money that reached townFlood claims are matched to Ludlow’s own flood-insurance community; household aid to the registrant’s city; repair grants to the Township of Ludlow. 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 Ludlow total about $1.5M 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.