Natural hazards · North Henderson

North Henderson, IL natural hazards

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

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

Expected damage

How exposed is North Henderson?

Moderate

vs. U.S. communities

FEMA expects yearly storm and flood damage to homes and buildings in North Henderson to be higher than in 56% of U.S. communities, mostly from inland flooding and strong winds.

Inland flooding20%Strong wind19%Drought18%Cold waves14%Heat waves8%Lightning7%Everything else15%

By hazard

What North Henderson faces

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

Inland flooding

20% of expected damage

Above average · higher than 60% of U.S. places

Recorded about 2 times a year in the area

Strong wind

19% of expected damage

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

Recorded about 6 times a year in the area

Drought

18% of expected damage

Recorded about 9 times a year in the area

Cold waves

14% of expected damage

Above average · higher than 51% of U.S. places

Recorded about 5 times a year in the area

Heat waves

8% of expected damage

Below average · higher than 33% of U.S. places

Recorded about 8 times a year in the area

Lightning

7% of expected damage

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

Lower here

HurricanesHailIce stormsWinter weatherWildfireEarthquakesLandslides

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 Henderson flood?

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

of homes in flood zones
are insured

of all homes
are insured

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

Insurance rates: Mercer County.

Disasters that hit North Henderson

Federal disasters declared here

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

Brought FEMA money into North HendersonDeclared for Mercer County only

Mercer County has had 13 natural disasters declared since 1953, most often floods and winter 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. North Henderson 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 Henderson’s own flood-insurance community; household aid to the registrant’s city; repair grants to the Village of North Henderson. 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.