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Natural hazards · Oquawka

Oquawka, IL natural hazards

Most of the natural-hazard damage FEMA expects in Oquawka comes from inland flooding, and overall the risk is very high for a U.S. community. Flood insurance has paid 53 claims here since 1979. 5 federal disasters brought FEMA money into town.

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

How exposed is Oquawka?

88
Very high
vs. U.S. communities

FEMA expects yearly storm and flood damage to homes and buildings in Oquawka to be higher than in 88% of U.S. communities, mostly from inland flooding.

Inland flooding44%Drought12%Hail10%Strong wind10%Tornadoes8%Heat waves7%Everything else9%
By hazard

What Oquawka faces

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

Inland flooding

44% of expected damage
Well above average · higher than 95% of U.S. places
Recorded about 2 times a year in the area

Drought

12% of expected damage
Recorded about 8 times a year in the area

Hail

10% of expected damage
Well above average · among the top 1% of U.S. places
Recorded about 4 times a year in the area

Strong wind

10% of expected damage
Well above average · among the top 1% of U.S. places
Recorded about 6 times a year in the area

Tornadoes

8% of expected damage
Well above average · higher than 89% of U.S. places
Recorded about once every 13 years in the area

Heat waves

7% of expected damage
Well above average · higher than 86% of U.S. places
Recorded about 9 times a year in the area

Lower here

HurricanesIce stormsWinter weatherCold wavesWildfireEarthquakesLandslidesLightning

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 Oquawka flood?

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

53paid claims since 1979
$1.3Mpaid to owners
8homes flooded more than once
19792026

Biggest named events

  • Mid-spring storms: 6 claims, $169K
  • Midwest Flooding: 3 claims, $75K

Homes that flooded again and again

■ FEMA “severe repetitive loss” (3) ■ flooded 2+ times

of homes in flood zones
are insured
of all homes
are insured
No community discount. Oquawka isn’t in FEMA’s Community Rating System, which cuts flood insurance up to 45% in towns that do extra flood-proofing.
Insurance rates: Henderson County.

What’s been done with FEMA grants

25flood-prone properties bought out and cleared
Disasters that hit Oquawka

5 federal disasters brought FEMA money here

Disasters the President declared that paid out in Oquawka itself: aid to households, or repair grants to the Village of Oquawka.

Brought FEMA money into OquawkaDeclared for Henderson County only
2019

Severe Storms and Flooding

$7K to the Village of Oquawka for repairs
2013

Severe Storms, Straight-Line Winds, and Flooding

3 households applied for aid $6K aid approved $23K to the Village of Oquawka for repairs
2011

Severe Winter Storm and Snowstorm

$4K to the Village of Oquawka for repairs
2008

Severe Storms and Flooding

23 households applied for aid $76K aid approved $76K to the Village of Oquawka for repairs
2001

Flooding

$220K to the Village of Oquawka for repairs
Henderson County has had 14 natural disasters declared since 1953, most often floods and winter storms.
Around Oquawka

Oquawka and the towns around it

Oquawka: Very high, mostly inland floodingBald Bluff: Very high, mostly inland floodingGladstone: Very high, mostly inland floodingRozetta: Very high, mostly inland floodingOquawka: Very high, mostly inland flooding OquawkaOquawka
Very lowLowModerateHighVery high
Oquawkamostly inland floodingVery high
Oquawkamostly inland floodingVery high
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. Oquawka 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 Oquawka’s own flood-insurance community; household aid to the registrant’s city; repair grants to the Village of Oquawka. 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.

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Boundary source: https://tigerweb.geo.census.gov/arcgis/rest/services/TIGERweb/Places_CouSub_ConCity_SubMCD/MapServer/18 · 2025-01-01
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