Natural hazards · Mattoon

Mattoon, IL natural hazards

Most of the natural-hazard damage FEMA expects in Mattoon comes from inland flooding, and overall the risk is moderate for a U.S. community. Flood insurance has paid 16 claims here since 1999.

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

Expected damage

How exposed is Mattoon?

Moderate

vs. U.S. communities

FEMA expects yearly storm and flood damage to homes and buildings in Mattoon to be higher than in 57% of U.S. communities, mostly from inland flooding and earthquakes.

Inland flooding50%Earthquakes17%Cold waves11%Tornadoes11%Everything else11%

By hazard

What Mattoon faces

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

Inland flooding

50% of expected damage

Above average · higher than 67% of U.S. places

Recorded about 2 times a year in the area

Earthquakes

17% of expected damage

Well above average · higher than 80% of U.S. places

Cold waves

11% of expected damage

Above average · higher than 53% of U.S. places

Recorded about 2 times a year in the area

Tornadoes

11% of expected damage

Well above average · higher than 79% of U.S. places

Lower here

HurricanesHailIce stormsWinter weatherHeat wavesWildfireLandslidesStrong windLightningDrought

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 Mattoon flood?

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

16paid claims since 1999

$131Kpaid to owners

0homes flooded more than once

19992026

of homes in flood zones
are insured

of all homes
are insured

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

Insurance rates: Coles County.

Disasters that hit Mattoon

Federal disasters declared here

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

Brought FEMA money into MattoonDeclared for Coles County only

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

Around Mattoon

Mattoon and the towns around it

Very lowLowModerateHighVery high

Whitleymostly inland floodingHigh

North Okawmostly inland floodingHigh

Paradisemostly inland floodingHigh

Mattoonmostly inland floodingHigh

Lafayettemostly inland floodingHigh

Mattoonmostly 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. Mattoon covers 3 census tracts, combined by population.

Money that reached townFlood claims are matched to Mattoon’s own flood-insurance community (here, the census tracts inside it); household aid to the registrant’s city; repair grants to the Township of Mattoon. 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 Mattoon total about $5.8M 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.