Natural hazards · Milford

Milford, IL natural hazards

Most of the natural-hazard damage FEMA expects in Milford comes from inland flooding, and overall the risk is high for a U.S. community. Flood insurance has paid 3 claims here since 2015. 3 federal disasters brought FEMA money into town.

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

Expected damage

How exposed is Milford?

High

vs. U.S. communities

FEMA expects yearly storm and flood damage to homes and buildings in Milford to be higher than in 78% of U.S. communities, mostly from inland flooding and cold waves.

Inland flooding55%Cold waves32%Tornadoes5%Everything else8%

By hazard

What Milford faces

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

Inland flooding

55% of expected damage

Well above average · higher than 91% of U.S. places

Recorded about once a year in the area

Cold waves

32% of expected damage

Above average · higher than 57% of U.S. places

Recorded about 4 times a year in the area

Tornadoes

5% of expected damage

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

Recorded about once every 7 years in the area

Lower here

HurricanesHailIce stormsWinter weatherHeat wavesWildfireEarthquakesLandslidesStrong windLightning

Not a risk here

Coastal floodingDroughtAvalanchesTsunamisVolcanic 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 Milford flood?

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

3paid claims since 2015

$140Kpaid to owners

1homes flooded more than once

20152026

Biggest named events

Early winter storms: 1 claim, $16K

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. Milford isn’t in FEMA’s Community Rating System, which cuts flood insurance up to 45% in towns that do extra flood-proofing.

Insurance rates: Iroquois County.

Disasters that hit Milford

3 federal disasters brought FEMA money here

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

Brought FEMA money into MilfordDeclared for Iroquois County only

2008

Severe Storms and Flooding

19 households applied for aid $60K aid approved

2000

Illinois Winter Snow Storms

$2K to the Village of Milford for repairs

1999

Il-Winter Storm 1/1/99

$4K to the Village of Milford for repairs

Iroquois County has had 7 natural disasters declared since 1953, most often severe storms and winter 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. Milford 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 Milford’s own flood-insurance community; household aid to the registrant’s city; repair grants to the Village of Milford. 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.