Natural hazards · Moro

Moro, IL natural hazards

Most of the natural-hazard damage FEMA expects in Moro 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 Moro?

Moderate

vs. U.S. communities

FEMA expects yearly storm and flood damage to homes and buildings in Moro to be higher than in 57% of U.S. communities, mostly from inland flooding and tornadoes.

Inland flooding38%Tornadoes17%Earthquakes14%Heat waves13%Cold waves12%Everything else7%

By hazard

What Moro faces

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

Inland flooding

38% of expected damage

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

Recorded about once a year in the area

Tornadoes

17% of expected damage

Well above average · higher than 81% of U.S. places

Recorded about once every 42 years in the area

Earthquakes

14% of expected damage

Well above average · higher than 80% of U.S. places

Heat waves

13% of expected damage

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

Recorded about 15 times a year in the area

Cold waves

12% of expected damage

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

Recorded about 2 times a year in the area

Lower here

HurricanesHailIce stormsWinter weatherWildfireLandslidesStrong 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 Moro flood?

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

of all homes
are insured

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

Insurance rates: Madison County.

Disasters that hit Moro

Federal disasters declared here

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

Brought FEMA money into MoroDeclared for Madison County only

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

Around Moro

Moro and the towns around it

Very lowLowModerateHighVery high

Fort Russellmostly inland floodingHigh

Moromostly inland floodingModerate

Omphghentmostly inland floodingModerate

Fostermostly inland floodingModerate

Bethaltomostly inland floodingModerate

Bunker Hillmostly 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. Moro covers 2 census tracts, combined by population.

Money that reached townFlood claims are matched to Moro’s own flood-insurance community; household aid to the registrant’s city; repair grants to the Township of Moro. 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 Moro total about $3.8M 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.