Natural hazards · North

North, IL natural hazards

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

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

Expected damage

How exposed is North?

High

vs. U.S. communities

FEMA expects yearly storm and flood damage to homes and buildings in North to be higher than in 74% of U.S. communities, mostly from inland flooding and earthquakes.

Inland flooding32%Earthquakes30%Cold waves16%Tornadoes9%Heat waves5%Everything else9%

By hazard

What North faces

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

Inland flooding

32% of expected damage

Above average · higher than 70% of U.S. places

Recorded about 4 times a year in the area

Earthquakes

30% of expected damage

Well above average · higher than 86% of U.S. places

Cold waves

16% of expected damage

Well below average · higher than 21% of U.S. places

Recorded about once a year in the area

Tornadoes

9% of expected damage

Well above average · higher than 77% of U.S. places

Recorded about once every 23 years in the area

Heat waves

5% of expected damage

Above average · higher than 50% of U.S. places

Recorded about 10 times a year in the area

Lower here

HurricanesHailIce stormsWinter weatherWildfireLandslidesStrong 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 North flood?

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

of homes in flood zones
are insured

of all homes
are insured

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

Insurance rates: Franklin County.

Disasters that hit North

Federal disasters declared here

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

Brought FEMA money into NorthDeclared for Franklin County only

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

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. North covers 1 census tract, combined by population.

Money that reached townFlood claims are matched to North’s own flood-insurance community; household aid to the registrant’s city; repair grants to the Village of North. 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 North total about $2.6M 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.