Natural hazards · Metamora

Metamora, IL natural hazards

Most of the natural-hazard damage FEMA expects in Metamora comes from inland flooding, and overall the risk is low for a U.S. community. Flood insurance has paid 2 claims here since 1997. 6 federal disasters brought FEMA money into town.

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

Expected damage

How exposed is Metamora?

Low

vs. U.S. communities

FEMA expects yearly storm and flood damage to homes and buildings in Metamora to be higher than in 38% of U.S. communities, mostly from inland flooding and cold waves.

Inland flooding53%Cold waves20%Tornadoes12%Everything else14%

By hazard

What Metamora faces

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

Inland flooding

53% of expected damage

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

Recorded about once a year in the area

Cold waves

20% of expected damage

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

Recorded about 5 times a year in the area

Tornadoes

12% of expected damage

Above average · higher than 72% of U.S. places

Recorded about once every 20 years in the area

Lower here

HurricanesHailIce stormsWinter weatherHeat wavesWildfireEarthquakesLandslidesStrong 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 Metamora flood?

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

2paid claims since 1997

$19Kpaid to owners

0homes flooded more than once

19972026

Biggest named events

Hurricane Ike: 1 claim, $18K

of homes in flood zones
are insured

of all homes
are insured

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

Insurance rates: Woodford County.

Disasters that hit Metamora

6 federal disasters brought FEMA money here

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

Brought FEMA money into MetamoraDeclared for Woodford County only

2013

Severe Storms, Straight-Line Winds, and Tornadoes

8 households applied for aid

2013

Severe Storms, Straight-Line Winds, and Flooding

12 households applied for aid $19K aid approved

2011

Severe Winter Storm and Snowstorm

$7K to the Village of Metamora for repairs

2008

Severe Storms and Flooding

30 households applied for aid $56K aid approved $12K to the Village of Metamora for repairs

2006

Severe Winter Storm

$8K to the Village of Metamora for repairs

1999

Il-Winter Storm 1/1/99

$3K to the Village of Metamora for repairs

Woodford County has had 12 natural disasters declared since 1953, most often floods and severe storms.

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. Metamora covers 1 census tract, combined by population.

Money that reached townFlood claims are matched to Metamora’s own flood-insurance community (here, the census tracts inside it); household aid to the registrant’s city; repair grants to the Village of Metamora. 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 Metamora total about $3.0M 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.