Natural hazards · North Fork

North Fork, IL natural hazards

Most of the natural-hazard damage FEMA expects in North Fork 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 North Fork?

Very high

vs. U.S. communities

FEMA expects yearly storm and flood damage to homes and buildings in North Fork to be higher than in 87% of U.S. communities, mostly from inland flooding and earthquakes.

Inland flooding41%Earthquakes27%Heat waves8%Strong wind7%Tornadoes6%Drought6%Everything else6%

By hazard

What North Fork faces

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

Inland flooding

41% of expected damage

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

Recorded about 6 times a year in the area

Earthquakes

27% of expected damage

Well above average · higher than 88% of U.S. places

Heat waves

8% of expected damage

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

Recorded about 10 times a year in the area

Strong wind

7% of expected damage

Well above average · among the top 1% of U.S. places

Recorded about 4 times a year in the area

Tornadoes

6% of expected damage

Well above average · higher than 83% of U.S. places

Recorded about once every 8 years in the area

Drought

6% of expected damage

Recorded about 6 times a year in the area

Lower here

HurricanesHailIce stormsWinter weatherCold 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 North Fork flood?

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

of homes in flood zones
are insured

of all homes
are insured

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

Insurance rates: Gallatin County.

Disasters that hit North Fork

Federal disasters declared here

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

Brought FEMA money into North ForkDeclared for Gallatin County only

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

Around North Fork

North Fork and the towns around it

Very lowLowModerateHighVery high

North Forkmostly inland floodingVery high

Ridgwaymostly inland floodingVery high

Omahamostly inland floodingVery high

Cottagemostly inland floodingVery high

Equalitymostly inland floodingHigh

East Eldoradomostly earthquakesHigh

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