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Natural hazards · Moline

Moline, IL natural hazards

Most of the natural-hazard damage FEMA expects in Moline comes from inland flooding, and overall the risk is low for a U.S. community. Flood insurance has paid 239 claims here since 1979. 5 federal disasters brought FEMA money into town.

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

How exposed is Moline?

27
Low
vs. U.S. communities

FEMA expects yearly storm and flood damage to homes and buildings in Moline to be higher than in 27% of U.S. communities, mostly from inland flooding and cold waves.

Inland flooding30%Cold waves28%Tornadoes17%Heat waves10%Strong wind6%Everything else10%
By hazard

What Moline faces

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

Inland flooding

30% of expected damage
Below average · higher than 35% of U.S. places
Recorded about 3 times a year in the area

Cold waves

28% of expected damage
Above average · higher than 52% of U.S. places
Recorded about 6 times a year in the area

Tornadoes

17% of expected damage
Well above average · higher than 79% of U.S. places

Heat waves

10% of expected damage
Below average · higher than 25% of U.S. places
Recorded about 7 times a year in the area

Strong wind

6% of expected damage
Well above average · higher than 88% of U.S. places
Recorded about 6 times a year in the area

Lower here

HurricanesHailIce stormsWinter weatherWildfireEarthquakesLandslidesLightningDrought

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 Moline flood?

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

239paid claims since 1979
$4.2Mpaid to owners
18homes flooded more than once
19792026

Biggest named events

  • Midwest Flooding: 20 claims, $598K
  • Mid-spring storms: 14 claims, $194K
  • Hurricane Ike: 1 claim, $5K

Homes that flooded again and again

■ FEMA “severe repetitive loss” (7) ■ flooded 2+ times

of homes in flood zones
are insured
of all homes
are insured
🏷️ 10% off flood insurance. Moline is in FEMA’s Community Rating System (class 8) for its flood-proofing work.
Insurance rates: Rock Island County.

What’s been done with FEMA grants

71flood-prone properties bought out and cleared
Disasters that hit Moline

5 federal disasters brought FEMA money here

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

Brought FEMA money into MolineDeclared for Rock Island County only
2019

Severe Storms and Flooding

$508K to the City of Moline for repairs
2013

Severe Storms, Straight-Line Winds, and Flooding

84 households applied for aid $128K aid approved $158K to the City of Moline for repairs
2011

Severe Winter Storm and Snowstorm

$86K to the City of Moline for repairs
2008

Severe Storms and Flooding

89 households applied for aid $76K aid approved $651K to the City of Moline for repairs
2001

Flooding

$626K to the City of Moline for repairs
Rock Island County has had 13 natural disasters declared since 1953, most often floods and winter storms.
Around Moline

Moline and the towns around it

Rock Island: Moderate, mostly inland floodingMoline: Low, mostly inland floodingEast Moline: Moderate, mostly inland floodingRock Island Arsenal: High, mostly inland floodingSouth Moline: Low, mostly inland floodingCoal Valley: Moderate, mostly inland floodingRock Island: High, mostly inland floodingSouth Rock Island: Moderate, mostly inland floodingCoal Valley: Moderate, mostly inland floodingMilan: High, mostly inland floodingBettendorf: Moderate, mostly inland floodingRiverdale: Low, mostly inland floodingDavenport: Moderate, mostly inland floodingCampbell's Island: High, mostly inland floodingSilvis: Very low, mostly cold wavesBarstow: Moderate, mostly inland floodingHampton: Very high, mostly inland floodingHampton: Moderate, mostly inland floodingBlackhawk: Moderate, mostly inland floodingRural: Moderate, mostly inland floodingColona: High, mostly inland floodingCoyne Center: Moderate, mostly inland floodingOak Grove: High, mostly inland floodingMoline: Low, mostly inland flooding MolineRock IslandMolineEast MolineRock Island ArsenalSouth MolineCoal ValleyRock IslandSouth Rock IslandCoal ValleyMilan
Very lowLowModerateHighVery high
Rock Island Arsenalmostly inland floodingHigh
Rock Islandmostly inland floodingHigh
Milanmostly inland floodingHigh
Coal Valleymostly inland floodingModerate
Coal Valleymostly inland floodingModerate
Rock Islandmostly inland floodingModerate
East Molinemostly inland floodingModerate
South Rock Islandmostly inland floodingModerate
Molinemostly inland floodingLow
Molinemostly inland floodingLow
South Molinemostly inland floodingLow
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. Moline covers 12 census tracts, combined by population.
Money that reached townFlood claims are matched to Moline’s own flood-insurance community; household aid to the registrant’s city; repair grants to the City of Moline. 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 Moline total about $11.9M 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.

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Boundary source: https://tigerweb.geo.census.gov/arcgis/rest/services/TIGERweb/Places_CouSub_ConCity_SubMCD/MapServer/18 · 2025-01-01
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