Natural hazards · Meredosia

Meredosia, IL natural hazards

Most of the natural-hazard damage FEMA expects in Meredosia comes from inland flooding, and overall the risk is high for a U.S. community. Flood insurance has paid 69 claims here since 1979. 4 federal disasters brought FEMA money into town.

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

Expected damage

How exposed is Meredosia?

High

vs. U.S. communities

FEMA expects yearly storm and flood damage to homes and buildings in Meredosia to be higher than in 76% of U.S. communities, mostly from inland flooding and cold waves.

Inland flooding44%Cold waves24%Drought12%Strong wind6%Earthquakes5%Everything else10%

By hazard

What Meredosia faces

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

Inland flooding

44% of expected damage

Well above average · higher than 88% of U.S. places

Recorded about once a year in the area

Cold waves

24% of expected damage

Above average · higher than 56% of U.S. places

Recorded about 3 times a year in the area

Drought

12% of expected damage

Recorded about 5 times a year in the area

Strong wind

6% of expected damage

Well above average · higher than 93% of U.S. places

Recorded about 5 times a year in the area

Earthquakes

5% of expected damage

Well above average · higher than 78% of U.S. places

Lower here

HurricanesTornadoesHailIce stormsWinter weatherHeat wavesWildfireLandslidesLightning

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 Meredosia flood?

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

69paid claims since 1979

$260Kpaid to owners

4homes flooded more than once

19792026

Biggest named events

Midwest Flooding: 3 claims, $32K

Homes that flooded again and again

■ FEMA “severe repetitive loss” (0) ■ flooded 2+ times

of homes in flood zones
are insured

of all homes
are insured

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

Insurance rates: Morgan County.

Disasters that hit Meredosia

4 federal disasters brought FEMA money here

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

Brought FEMA money into MeredosiaDeclared for Morgan County only

2019

Severe Storms and Flooding

$164K to the Village of Meredosia for repairs

2013

Severe Storms, Straight-Line Winds, and Flooding

$61K to the Village of Meredosia for repairs

2002

Severe Storms, Tornadoes and Flooding

$57K to the Village of Meredosia for repairs

1999

Il-Winter Storm 1/1/99

$2K to the Village of Meredosia for repairs

Morgan County has had 15 natural disasters declared since 1953, most often floods and severe storms.

Around Meredosia

Meredosia and the towns around it

Very lowLowModerateHighVery high

Meredosiamostly inland floodingHigh

Chambersburgmostly 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. Meredosia 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 Meredosia’s own flood-insurance community; household aid to the registrant’s city; repair grants to the Village of Meredosia. 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.