Natural hazards · Niota

Niota, IL natural hazards

Most of the natural-hazard damage FEMA expects in Niota comes from inland flooding, and overall the risk is high for a U.S. community. 1 federal disaster brought FEMA money into town.

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

Expected damage

How exposed is Niota?

High

vs. U.S. communities

FEMA expects yearly storm and flood damage to homes and buildings in Niota to be higher than in 78% of U.S. communities, mostly from inland flooding and cold waves.

Inland flooding39%Cold waves15%Heat waves13%Drought11%Strong wind8%Tornadoes6%Everything else9%

By hazard

What Niota faces

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

Inland flooding

39% of expected damage

Well above average · higher than 90% of U.S. places

Recorded about 3 times a year in the area

Cold waves

15% of expected damage

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

Recorded about 4 times a year in the area

Heat waves

13% of expected damage

Well above average · higher than 93% of U.S. places

Recorded about 9 times a year in the area

Drought

11% of expected damage

Recorded about 4 times a year in the area

Strong wind

8% of expected damage

Well above average · higher than 98% of U.S. places

Recorded about 5 times a year in the area

Tornadoes

6% of expected damage

Above average · higher than 68% of U.S. places

Recorded about once every 13 years in the area

Lower here

HurricanesHailIce stormsWinter weatherWildfireEarthquakesLandslidesLightning

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 Niota flood?

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

of homes in flood zones
are insured

of all homes
are insured

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

Insurance rates: Hancock County.

What’s been done with FEMA grants

79flood-prone properties bought out and cleared

Disasters that hit Niota

1 federal disaster brought FEMA money here

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

Brought FEMA money into NiotaDeclared for Hancock County only

2008

Severe Storms and Flooding

5 households applied for aid $377 aid approved

Hancock County has had 17 natural disasters declared since 1953, most often floods and severe storms.

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