Natural hazards · North Litchfield

North Litchfield, IL natural hazards

Most of the natural-hazard damage FEMA expects in North Litchfield comes from earthquakes, and overall the risk is moderate for a U.S. community. Flood insurance has paid 1 claim here since 1983.

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

Expected damage

How exposed is North Litchfield?

Moderate

vs. U.S. communities

FEMA expects yearly storm and flood damage to homes and buildings in North Litchfield to be higher than in 46% of U.S. communities, mostly from earthquakes and inland flooding.

Earthquakes27%Inland flooding26%Cold waves15%Tornadoes12%Heat waves9%Strong wind6%Everything else5%

By hazard

What North Litchfield faces

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

Earthquakes

27% of expected damage

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

Inland flooding

26% of expected damage

Below average · higher than 31% of U.S. places

Recorded about once a year in the area

Cold waves

15% of expected damage

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

Recorded about 2 times a year in the area

Tornadoes

12% of expected damage

Well above average · higher than 84% of U.S. places

Heat waves

9% of expected damage

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

Recorded about 9 times a year in the area

Strong wind

6% of expected damage

Well above average · higher than 92% of U.S. places

Recorded about 6 times a year in the area

Lower here

HurricanesHailIce stormsWinter weatherWildfireLandslidesLightningDrought

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 Litchfield flood?

Every paid claim on a federal flood insurance policy in North Litchfield, from FEMA’s records.

1paid claims since 1983

$3Kpaid to owners

0homes flooded more than once

19832026

of all homes
are insured

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

Insurance rates: Montgomery County.

Disasters that hit North Litchfield

Federal disasters declared here

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

Brought FEMA money into North LitchfieldDeclared for Montgomery County only

Montgomery County has had 5 natural disasters declared since 1953, most often tornadoes and severe storms.

Around North Litchfield

North Litchfield and the towns around it

Very lowLowModerateHighVery high

Zanesvillemostly inland floodingModerate

North Litchfieldmostly earthquakesModerate

South Litchfieldmostly inland floodingModerate

Butler Grovemostly inland floodingModerate

Litchfieldmostly earthquakesModerate

Honey Pointmostly inland floodingModerate

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 Litchfield covers 1 census tract, combined by population.

Money that reached townFlood claims are matched to North Litchfield’s own flood-insurance community (here, the census tracts inside it); household aid to the registrant’s city; repair grants to the Township of North Litchfield. 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 Litchfield total about $1.6M 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.