Natural hazards · Lynchburg

Lynchburg, IL natural hazards

Most of the natural-hazard damage FEMA expects in Lynchburg comes from inland flooding, and overall the risk is very 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 Lynchburg?

Very high

vs. U.S. communities

FEMA expects yearly storm and flood damage to homes and buildings in Lynchburg to be higher than in 81% of U.S. communities, mostly from inland flooding.

Inland flooding58%Drought12%Cold waves9%Strong wind7%Tornadoes6%Everything else8%

By hazard

What Lynchburg 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 92% of U.S. places

Recorded about once a year in the area

Drought

12% of expected damage

Recorded about 5 times a year in the area

Cold waves

9% of expected damage

Above average · higher than 59% of U.S. places

Recorded about 4 times a year in the area

Strong wind

7% of expected damage

Well above average · higher than 95% of U.S. places

Recorded about 5 times a year in the area

Tornadoes

6% of expected damage

Well above average · higher than 94% of U.S. places

Recorded about once every 6 years in the area

Lower here

HurricanesHailIce stormsWinter weatherHeat wavesWildfireEarthquakesLandslidesLightning

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 Lynchburg flood?

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

of homes in flood zones
are insured

of all homes
are insured

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

Insurance rates: Mason County.

Disasters that hit Lynchburg

2 federal disasters brought FEMA money here

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

Brought FEMA money into LynchburgDeclared for Mason County only

2011

Severe Winter Storm and Snowstorm

$2K to the Township of Lynchburg for repairs

1999

Il-Winter Storm 1/1/99

$3K to the Township of Lynchburg for repairs

Mason County has had 16 natural disasters declared since 1953, most often floods and severe storms.

Around Lynchburg

Lynchburg and the towns around it

Very lowLowModerateHighVery high

Lynchburgmostly inland floodingVery high

Bathmostly inland floodingVery high

Sangamon Valleymostly cold wavesHigh

Bluff Springsmostly cold wavesHigh

Hickorymostly inland floodingHigh

Browningmostly inland floodingHigh

Chandlervillemostly cold wavesHigh

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