Natural hazards · Otego

Otego, IL natural hazards

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

High

vs. U.S. communities

FEMA expects yearly storm and flood damage to homes and buildings in Otego to be higher than in 77% of U.S. communities, mostly from inland flooding and earthquakes.

Inland flooding49%Earthquakes20%Cold waves8%Tornadoes7%Drought6%Everything else11%

By hazard

What Otego faces

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

Inland flooding

49% of expected damage

Well above average · higher than 85% of U.S. places

Recorded about once a year in the area

Earthquakes

20% of expected damage

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

Cold waves

8% of expected damage

Well below average · higher than 17% of U.S. places

Recorded about 2 times a year in the area

Tornadoes

7% of expected damage

Above average · higher than 74% of U.S. places

Recorded about once every 7 years in the area

Drought

6% of expected damage

Recorded about 2 times a year in the area

Lower here

HurricanesHailIce 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 Otego flood?

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

of all homes
are insured

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

Insurance rates: Fayette County.

Disasters that hit Otego

Federal disasters declared here

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

Brought FEMA money into OtegoDeclared for Fayette County only

Fayette County has had 6 natural disasters declared since 1953, most often tornadoes and winter storms.

Around Otego

Otego and the towns around it

Very lowLowModerateHighVery high

Otegomostly inland floodingHigh

Wilbertonmostly inland floodingHigh

Wheatlandmostly inland floodingHigh

Seftonmostly inland floodingHigh

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