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Natural hazards · Mason

Mason, IL natural hazards

Most of the natural-hazard damage FEMA expects in Mason comes from inland flooding, and overall the risk is moderate for a U.S. community.

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

How exposed is Mason?

52
Moderate
vs. U.S. communities

FEMA expects yearly storm and flood damage to homes and buildings in Mason to be higher than in 52% of U.S. communities, mostly from inland flooding and earthquakes.

Inland flooding35%Earthquakes20%Tornadoes12%Drought11%Cold waves9%Heat waves5%Everything else8%
By hazard

What Mason faces

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

Inland flooding

35% of expected damage
Above average · higher than 51% of U.S. places
Recorded about 2 times a year in the area

Earthquakes

20% of expected damage
Well above average · higher than 82% of U.S. places

Tornadoes

12% of expected damage
Well above average · higher than 81% of U.S. places
Recorded about once every 14 years in the area

Drought

11% of expected damage
Recorded about 2 times a year in the area

Cold waves

9% of expected damage
Well below average · higher than 17% of U.S. places
Recorded about 2 times a year in the area

Heat waves

5% of expected damage
Below average · higher than 47% of U.S. places
Recorded about 8 times a year in the area

Lower here

HurricanesHailIce stormsWinter weatherWildfireLandslidesStrong 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 Mason flood?

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

of all homes
are insured
No community discount. Mason isn’t in FEMA’s Community Rating System, which cuts flood insurance up to 45% in towns that do extra flood-proofing.
Insurance rates: Effingham County.
Disasters that hit Mason

Federal disasters declared here

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

Brought FEMA money into MasonDeclared for Effingham County only
Effingham County has had 5 natural disasters declared since 1953, most often tornadoes and winter storms.
Around Mason

Mason and the towns around it

West: Moderate, mostly inland floodingLarkinsburg: High, mostly inland floodingUnion: High, mostly inland floodingJackson: Moderate, mostly inland floodingLa Clede: High, mostly inland floodingMound: Moderate, mostly inland floodingWheatland: High, mostly inland floodingLone Grove: High, mostly inland floodingBlair: High, mostly inland floodingOskaloosa: High, mostly inland floodingMeacham: Moderate, mostly earthquakesWatson: High, mostly inland floodingLucas: High, mostly inland floodingSummit: Low, mostly earthquakesWatson: Moderate, mostly inland floodingMason: Moderate, mostly inland flooding MasonWestLarkinsburgUnionJackson
Very lowLowModerateHighVery high
Larkinsburgmostly inland floodingHigh
Unionmostly inland floodingHigh
Westmostly inland floodingModerate
Masonmostly inland floodingModerate
Jacksonmostly 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. Mason covers 1 census tract, combined by population.
Money that reached townFlood claims are matched to Mason’s own flood-insurance community; household aid to the registrant’s city; repair grants to the Township of Mason. 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 Mason total about $1.9M 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.

The porch light’s on

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You’re in Mason, ILEffingham CountyView boundary

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Boundary source: https://tigerweb.geo.census.gov/arcgis/rest/services/TIGERweb/Places_CouSub_ConCity_SubMCD/MapServer/15 · 2025-01-01
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