Natural hazards · Miller

Miller, IL natural hazards

Most of the natural-hazard damage FEMA expects in Miller comes from inland flooding, and overall the risk is moderate for a U.S. community. Flood insurance has paid 107 claims here since 1979.

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

Expected damage

How exposed is Miller?

Moderate

vs. U.S. communities

FEMA expects yearly storm and flood damage to homes and buildings in Miller to be higher than in 46% of U.S. communities, mostly from inland flooding and cold waves.

Inland flooding57%Cold waves23%Tornadoes8%Everything else13%

By hazard

What Miller faces

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

Inland flooding

57% of expected damage

Above average · higher than 69% of U.S. places

Recorded about 2 times a year in the area

Cold waves

23% of expected damage

Well below average · higher than 19% of U.S. places

Recorded about 5 times a year in the area

Tornadoes

8% of expected damage

Above average · higher than 65% of U.S. places

Recorded about once every 10 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 Miller flood?

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

107paid claims since 1979

$2.6Mpaid to owners

0homes flooded more than once

19792026

Biggest named events

Hurricane Ike: 30 claims, $779K
Mid-spring storms: 20 claims, $570K

of homes in flood zones
are insured

of all homes
are insured

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

Insurance rates: La Salle County.

Disasters that hit Miller

Federal disasters declared here

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

Brought FEMA money into MillerDeclared for La Salle County only

La Salle County has had 18 natural disasters declared since 1953, most often floods and winter storms.

Around Miller

Miller and the towns around it

Very lowLowModerateHighVery high

Rutlandmostly inland floodingVery high

Nettle Creekmostly inland floodingHigh

Millermostly inland floodingModerate

Missionmostly inland floodingModerate

Manliusmostly 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. Miller covers 1 census tract, combined by population.

Money that reached townFlood claims are matched to Miller’s own flood-insurance community (here, the census tracts inside it); household aid to the registrant’s city; repair grants to the Township of Miller. 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 Miller total about $4.2M 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.