Natural hazards · Milton

Milton, IL natural hazards

Most of the natural-hazard damage FEMA expects in Milton comes from inland flooding, and overall the risk is moderate for a U.S. community. Flood insurance has paid 362 claims here since 1978.

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

Expected damage

How exposed is Milton?

Moderate

vs. U.S. communities

FEMA expects yearly storm and flood damage to homes and buildings in Milton to be higher than in 42% of U.S. communities, mostly from inland flooding and cold waves.

Inland flooding56%Cold waves19%Tornadoes17%Everything else8%

By hazard

What Milton faces

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

Inland flooding

56% of expected damage

Above average · higher than 66% of U.S. places

Recorded about 3 times a year in the area

Cold waves

19% of expected damage

Well below average · higher than 21% of U.S. places

Recorded about 5 times a year in the area

Tornadoes

17% of expected damage

Well above average · higher than 75% of U.S. places

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 Milton flood?

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

362paid claims since 1978

$3.6Mpaid to owners

0homes flooded more than once

19782026

Biggest named events

Mid-spring storms: 75 claims, $2.0M
Hurricane Ike: 28 claims, $241K
Central U.S. April Flooding: 1 claim, $6K

of homes in flood zones
are insured

of all homes
are insured

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

Insurance rates: DuPage County.

Disasters that hit Milton

Federal disasters declared here

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

Brought FEMA money into MiltonDeclared for DuPage County only

DuPage County has had 14 natural disasters declared since 1953, most often floods and winter storms.

Around Milton

Milton and the towns around it

Very lowLowModerateHighVery high

Winfieldmostly inland floodingHigh

Winfieldmostly inland floodingModerate

Napervillemostly inland floodingModerate

Wheatonmostly inland floodingModerate

Miltonmostly inland floodingModerate

Yorkmostly inland floodingLow

Lislemostly inland floodingLow

Bloomingdalemostly inland floodingVery low

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. Milton covers 28 census tracts, combined by population.

Money that reached townFlood claims are matched to Milton’s own flood-insurance community (here, the census tracts inside it); household aid to the registrant’s city; repair grants to the Township of Milton. 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 Milton total about $48.8M 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.