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 moderate 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?

Moderate

vs. U.S. communities

FEMA expects yearly storm and flood damage to homes and buildings in Ludlow to be higher than in 43% of U.S. communities, mostly from inland flooding and cold waves.

Inland flooding41%Cold waves17%Drought17%Tornadoes12%Everything else13%

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

41% of expected damage

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

Recorded about 2 times a year in the area

Cold waves

17% of expected damage

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

Recorded about 4 times a year in the area

Drought

17% of expected damage

Recorded about once a year in the area

Tornadoes

12% of expected damage

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

Recorded about once every 6 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 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 Village of Ludlow.

Brought FEMA money into LudlowDeclared for Champaign County only

1999

Il-Winter Storm 1/1/99

$2K to the Village of Ludlow for repairs

Champaign County has had 10 natural disasters declared since 1953, most often tornadoes 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. Ludlow 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 Ludlow’s own flood-insurance community; household aid to the registrant’s city; repair grants to the Village of Ludlow. 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.