Natural hazards · Mount Carmel

Mount Carmel, IL natural hazards

Most of the natural-hazard damage FEMA expects in Mount Carmel comes from earthquakes, and overall the risk is high for a U.S. community. Flood insurance has paid 9 claims here since 1984. 4 federal disasters brought FEMA money into town.

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

Expected damage

How exposed is Mount Carmel?

High

vs. U.S. communities

FEMA expects yearly storm and flood damage to homes and buildings in Mount Carmel to be higher than in 76% of U.S. communities, mostly from earthquakes and inland flooding.

Earthquakes42%Inland flooding39%Tornadoes6%Heat waves6%Everything else9%

By hazard

What Mount Carmel faces

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

Earthquakes

42% of expected damage

Well above average · higher than 87% of U.S. places

Inland flooding

39% of expected damage

Well above average · higher than 76% of U.S. places

Recorded about 4 times a year in the area

Tornadoes

6% of expected damage

Above average · higher than 60% of U.S. places

Heat waves

6% of expected damage

Below average · higher than 32% of U.S. places

Recorded about 9 times a year in the area

Lower here

HurricanesHailIce stormsWinter weatherCold wavesWildfireLandslidesStrong 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 Mount Carmel flood?

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

9paid claims since 1984

$30Kpaid to owners

1homes flooded more than once

19842026

Homes that flooded again and again

■ FEMA “severe repetitive loss” (0) ■ flooded 2+ times

of homes in flood zones
are insured

of all homes
are insured

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

Insurance rates: Wabash County.

Disasters that hit Mount Carmel

4 federal disasters brought FEMA money here

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

Brought FEMA money into Mount CarmelDeclared for Wabash County only

2013

Severe Storms, Straight-Line Winds, and Tornadoes

5 households applied for aid $32K aid approved

2011

Severe Storms and Flooding

16 households applied for aid $126K aid approved $9K to the City of Mount Carmel for repairs

2004

Record/Near Record Snow

$4K to the City of Mount Carmel for repairs

2002

Severe Storms, Tornadoes and Flooding

$9K to the City of Mount Carmel for repairs

Wabash County has had 8 natural disasters declared since 1953, most often tornadoes and severe storms.

Around Mount Carmel

Mount Carmel and the towns around it

Very lowLowModerateHighVery high

Mount Carmelmostly earthquakesHigh

White Rivermostly inland floodingHigh

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. Mount Carmel 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 Mount Carmel’s own flood-insurance community; household aid to the registrant’s city; repair grants to the City of Mount Carmel. 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.