Natural hazards · Niantic

Niantic, IL natural hazards

Most of the natural-hazard damage FEMA expects in Niantic comes from inland flooding, and overall the risk is low for a U.S. community. 2 federal disasters brought FEMA money into town.

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

Expected damage

How exposed is Niantic?

Low

vs. U.S. communities

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

Inland flooding35%Drought16%Cold waves13%Tornadoes10%Earthquakes10%Strong wind7%Everything else9%

By hazard

What Niantic faces

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

Inland flooding

35% of expected damage

Below average · higher than 42% of U.S. places

Recorded about once a year in the area

Drought

16% of expected damage

Recorded about 4 times a year in the area

Cold waves

13% of expected damage

Above average · higher than 56% of U.S. places

Recorded about 3 times a year in the area

Tornadoes

10% of expected damage

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

Recorded about once every 7 years in the area

Earthquakes

10% of expected damage

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

Strong wind

7% of expected damage

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

Recorded about 5 times a year in the area

Lower here

HurricanesHailIce stormsWinter weatherHeat wavesWildfireLandslidesLightning

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 Niantic flood?

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

of homes in flood zones
are insured

of all homes
are insured

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

Insurance rates: Macon County.

Disasters that hit Niantic

2 federal disasters brought FEMA money here

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

Brought FEMA money into NianticDeclared for Macon County only

2006

Severe Winter Storm

$15K to the Village of Niantic for repairs

1999

Il-Winter Storm 1/1/99

$2K to the Village of Niantic for repairs

Macon County has had 9 natural disasters declared since 1953, most often severe storms and tornadoes.

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. Niantic 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 Niantic’s own flood-insurance community; household aid to the registrant’s city; repair grants to the Village of Niantic. 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.