Natural hazards · Martin

Martin, IL natural hazards

Most of the natural-hazard damage FEMA expects in Martin comes from inland flooding, and overall the risk is high for a U.S. community. Flood insurance has paid 8 claims here since 1982.

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

Expected damage

How exposed is Martin?

High

vs. U.S. communities

FEMA expects yearly storm and flood damage to homes and buildings in Martin to be higher than in 61% of U.S. communities, mostly from inland flooding and cold waves.

Inland flooding42%Cold waves24%Drought15%Tornadoes8%Everything else11%

By hazard

What Martin faces

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

Inland flooding

42% of expected damage

Well above average · higher than 75% of U.S. places

Recorded about once a year in the area

Cold waves

24% of expected damage

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

Recorded about 5 times a year in the area

Drought

15% of expected damage

Recorded about 3 times a year in the area

Tornadoes

8% of expected damage

Well above average · higher than 90% of U.S. places

Recorded about once every 10 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 Martin flood?

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

8paid claims since 1982

$111Kpaid to owners

0homes flooded more than once

19822026

of homes in flood zones
are insured

of all homes
are insured

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

Insurance rates: McLean County.

Disasters that hit Martin

Federal disasters declared here

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

Brought FEMA money into MartinDeclared for McLean County only

McLean County has had 9 natural disasters declared since 1953, most often winter storms and ice storms.

Around Martin

Martin and the towns around it

Very lowLowModerateHighVery high

Martinmostly inland floodingHigh

Anchormostly inland floodingHigh

Blue Moundmostly inland floodingHigh

Lawndalemostly inland floodingHigh

Arrowsmithmostly 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. Martin covers 1 census tract, combined by population.

Money that reached townFlood claims are matched to Martin’s own flood-insurance community (here, the census tracts inside it); household aid to the registrant’s city; repair grants to the Township of Martin. 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 Martin total about $1.2M 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.