Natural hazards · Okaw

Okaw, IL natural hazards

Most of the natural-hazard damage FEMA expects in Okaw 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 Okaw?

High

vs. U.S. communities

FEMA expects yearly storm and flood damage to homes and buildings in Okaw to be higher than in 68% of U.S. communities, mostly from inland flooding and cold waves.

Inland flooding37%Cold waves23%Drought18%Earthquakes7%Everything else15%

By hazard

What Okaw faces

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

Inland flooding

37% of expected damage

Well above average · higher than 80% of U.S. places

Recorded about 2 times a year in the area

Cold waves

23% of expected damage

Above average · higher than 54% of U.S. places

Recorded about 3 times a year in the area

Drought

18% of expected damage

Recorded about 2 times a year in the area

Earthquakes

7% of expected damage

Well above average · higher than 80% of U.S. places

Lower here

HurricanesTornadoesHailIce stormsWinter weatherHeat wavesWildfireLandslidesStrong windLightning

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 Okaw flood?

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

of all homes
are insured

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

Insurance rates: Shelby County.

Disasters that hit Okaw

Federal disasters declared here

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

Brought FEMA money into OkawDeclared for Shelby County only

Shelby County has had 8 natural disasters declared since 1953, most often tornadoes and winter storms.

Around Okaw

Okaw and the towns around it

Very lowLowModerateHighVery high

Windsormostly inland floodingHigh

Okawmostly inland floodingHigh

Ridgemostly inland floodingHigh

Todds Pointmostly inland floodingHigh

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