Natural hazards · Lukin

Lukin, IL natural hazards

Most of the natural-hazard damage FEMA expects in Lukin comes from inland flooding, and overall the risk is high for a U.S. community. Flood insurance has paid 7 claims here since 1999.

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

Expected damage

How exposed is Lukin?

High

vs. U.S. communities

FEMA expects yearly storm and flood damage to homes and buildings in Lukin to be higher than in 78% of U.S. communities, mostly from inland flooding and earthquakes.

Inland flooding48%Earthquakes16%Drought14%Tornadoes8%Everything else14%

By hazard

What Lukin faces

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

Inland flooding

48% of expected damage

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

Recorded about once a year in the area

Earthquakes

16% of expected damage

Well above average · higher than 84% of U.S. places

Drought

14% of expected damage

Recorded about 5 times a year in the area

Tornadoes

8% of expected damage

Well above average · higher than 77% of U.S. places

Recorded about once every 10 years in the area

Lower here

HurricanesHailIce stormsWinter weatherCold wavesHeat 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 Lukin flood?

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

7paid claims since 1999

$134Kpaid to owners

0homes flooded more than once

19992026

of homes in flood zones
are insured

of all homes
are insured

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

Insurance rates: Lawrence County.

Disasters that hit Lukin

Federal disasters declared here

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

Brought FEMA money into LukinDeclared for Lawrence County only

Lawrence County has had 7 natural disasters declared since 1953, most often severe storms and floods.

Around Lukin

Lukin and the towns around it

Very lowLowModerateHighVery high

Lukinmostly inland floodingHigh

Denisonmostly inland floodingHigh

Christymostly inland floodingHigh

Bonpasmostly inland floodingModerate

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. Lukin covers 1 census tract, combined by population.

Money that reached townFlood claims are matched to Lukin’s own flood-insurance community (here, the census tracts inside it); household aid to the registrant’s city; repair grants to the Township of Lukin. 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 Lukin total about $3.8M 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.