Natural hazards · Norman

Norman, IL natural hazards

Most of the natural-hazard damage FEMA expects in Norman comes from inland flooding, and overall the risk is very high for a U.S. community.

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

Expected damage

How exposed is Norman?

Very high

vs. U.S. communities

FEMA expects yearly storm and flood damage to homes and buildings in Norman to be higher than in 81% of U.S. communities, mostly from inland flooding and cold waves.

Inland flooding60%Cold waves27%Tornadoes8%Everything else5%

By hazard

What Norman faces

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

Inland flooding

60% of expected damage

Well above average · higher than 94% of U.S. places

Recorded about once a year in the area

Cold waves

27% of expected damage

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

Recorded about 5 times a year in the area

Tornadoes

8% of expected damage

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

Recorded about once every 22 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 Norman flood?

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

of homes in flood zones
are insured

of all homes
are insured

No community discount. Norman 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 Norman

Federal disasters declared here

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

Brought FEMA money into NormanDeclared for Grundy County only

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

Around Norman

Norman and the towns around it

Very lowLowModerateHighVery high

Eriennamostly inland floodingVery high

Normanmostly inland floodingVery high

Wauponseemostly inland floodingVery high

Viennamostly 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. Norman 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 Norman’s own flood-insurance community; household aid to the registrant’s city; repair grants to the Township of Norman. 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.