Natural hazards · Nettle Creek

Nettle Creek, IL natural hazards

Most of the natural-hazard damage FEMA expects in Nettle Creek comes from inland flooding, and overall the risk is high for a U.S. community. Flood insurance has paid 10 claims here since 2008.

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

Expected damage

How exposed is Nettle Creek?

High

vs. U.S. communities

FEMA expects yearly storm and flood damage to homes and buildings in Nettle Creek to be higher than in 72% of U.S. communities, mostly from inland flooding and cold waves.

Inland flooding52%Cold waves32%Tornadoes9%Everything else7%

By hazard

What Nettle Creek faces

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

Inland flooding

52% of expected damage

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

Recorded about once a year in the area

Cold waves

32% of expected damage

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

Recorded about 5 times a year in the area

Tornadoes

9% of expected damage

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

Recorded about once every 13 years in the area

Lower here

HurricanesHailIce stormsWinter weatherHeat wavesWildfireEarthquakesLandslidesStrong 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 Nettle Creek flood?

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

10paid claims since 2008

$261Kpaid to owners

0homes flooded more than once

20082026

Biggest named events

Mid-spring storms: 4 claims, $158K
Hurricane Ike: 1 claim, $44K

of homes in flood zones
are insured

of all homes
are insured

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

Insurance rates: Grundy County.

Disasters that hit Nettle Creek

Federal disasters declared here

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

Brought FEMA money into Nettle CreekDeclared for Grundy County only

Grundy County has had 13 natural disasters declared since 1953, most often floods and winter storms.

Around Nettle Creek

Nettle Creek and the towns around it

Very lowLowModerateHighVery high

Eriennamostly inland floodingVery high

Nettle Creekmostly inland floodingHigh

Saratogamostly cold wavesModerate

Big Grovemostly inland floodingModerate

Millermostly 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. Nettle Creek covers 1 census tract, combined by population.

Money that reached townFlood claims are matched to Nettle Creek’s own flood-insurance community (here, the census tracts inside it); household aid to the registrant’s city; repair grants to the Township of Nettle Creek. 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 Nettle Creek total about $8.0M 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.