Natural hazards · Montmorency

Montmorency, IL natural hazards

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

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

Expected damage

How exposed is Montmorency?

Low

vs. U.S. communities

FEMA expects yearly storm and flood damage to homes and buildings in Montmorency to be higher than in 38% of U.S. communities, mostly from inland flooding and tornadoes.

Inland flooding46%Tornadoes16%Cold waves12%Drought8%Strong wind7%Everything else12%

By hazard

What Montmorency faces

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

Inland flooding

46% of expected damage

Above average · higher than 51% of U.S. places

Recorded about 2 times a year in the area

Tornadoes

16% of expected damage

Well above average · higher than 78% of U.S. places

Recorded about once every 39 years in the area

Cold waves

12% of expected damage

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

Recorded about 6 times a year in the area

Drought

8% of expected damage

Recorded about 12 times a year in the area

Strong wind

7% of expected damage

Well above average · higher than 89% of U.S. places

Recorded about 6 times a year in the area

Lower here

HurricanesHailIce stormsWinter weatherHeat wavesWildfireEarthquakesLandslidesLightning

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 Montmorency flood?

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

of homes in flood zones
are insured

of all homes
are insured

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

Insurance rates: Whiteside County.

Disasters that hit Montmorency

Federal disasters declared here

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

Brought FEMA money into MontmorencyDeclared for Whiteside County only

Whiteside County has had 12 natural disasters declared since 1953, most often floods and winter storms.

Around Montmorency

Montmorency and the towns around it

Very lowLowModerateHighVery high

Colomamostly inland floodingHigh

Harmonmostly inland floodingModerate

Humemostly inland floodingModerate

Hahnamanmostly inland floodingModerate

Montmorencymostly 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. Montmorency covers 1 census tract, combined by population.

Money that reached townFlood claims are matched to Montmorency’s own flood-insurance community; household aid to the registrant’s city; repair grants to the Township of Montmorency. 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 Montmorency total about $868K 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.