Natural hazards · Modesto

Modesto, IL natural hazards

Most of the natural-hazard damage FEMA expects in Modesto comes from inland flooding, and overall the risk is moderate for a U.S. community.

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

Expected damage

How exposed is Modesto?

Moderate

vs. U.S. communities

FEMA expects yearly storm and flood damage to homes and buildings in Modesto to be higher than in 47% of U.S. communities, mostly from inland flooding and earthquakes.

Inland flooding35%Earthquakes31%Tornadoes9%Cold waves8%Strong wind5%Everything else13%

By hazard

What Modesto faces

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

Inland flooding

35% of expected damage

Below average · higher than 39% of U.S. places

Recorded about once a year in the area

Earthquakes

31% of expected damage

Well above average · higher than 82% of U.S. places

Tornadoes

9% of expected damage

Well above average · higher than 86% of U.S. places

Recorded about once every 6 years in the area

Cold waves

8% of expected damage

Well below average · higher than 18% of U.S. places

Recorded about 2 times a year in the area

Strong wind

5% of expected damage

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

Recorded about 6 times a year in the area

Lower here

HurricanesHailIce stormsWinter weatherHeat wavesWildfireLandslidesLightningDrought

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 Modesto flood?

FEMA's records show no paid flood insurance claims in Modesto.

of all homes
are insured

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

Insurance rates: Macoupin County.

Disasters that hit Modesto

Federal disasters declared here

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

Brought FEMA money into ModestoDeclared for Macoupin County only

Macoupin County has had 7 natural disasters declared since 1953, most often severe storms and tornadoes.

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