Natural hazards · Pana

Pana, IL natural hazards

Most of the natural-hazard damage FEMA expects in Pana comes from cold waves, and overall the risk is moderate for a U.S. community. 1 federal disaster brought FEMA money into town.

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

Expected damage

How exposed is Pana?

Moderate

vs. U.S. communities

FEMA expects yearly storm and flood damage to homes and buildings in Pana to be higher than in 41% of U.S. communities, mostly from cold waves and inland flooding.

Cold waves30%Inland flooding27%Earthquakes24%Heat waves6%Tornadoes6%Everything else7%

By hazard

What Pana faces

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

Cold waves

30% of expected damage

Above average · higher than 55% of U.S. places

Recorded about 3 times a year in the area

Inland flooding

27% of expected damage

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

Recorded about 2 times a year in the area

Earthquakes

24% of expected damage

Well above average · higher than 82% of U.S. places

Heat waves

6% of expected damage

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

Recorded about 8 times a year in the area

Tornadoes

6% of expected damage

Well above average · higher than 77% of U.S. places

Lower here

HurricanesHailIce stormsWinter weatherWildfireLandslidesStrong windLightningDrought

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 Pana flood?

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

of homes in flood zones
are insured

of all homes
are insured

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

Insurance rates: Christian County.

Disasters that hit Pana

1 federal disaster brought FEMA money here

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

Brought FEMA money into PanaDeclared for Christian County only

1999

Il-Winter Storm 1/1/99

$5K to the City of Pana for repairs

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

Around Pana

Pana and the towns around it

Very lowLowModerateHighVery high

Tower Hillmostly inland floodingHigh

Panamostly cold wavesModerate

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. Pana covers 2 census tracts, combined by population.

Money that reached townFlood claims are matched to Pana’s own flood-insurance community; household aid to the registrant’s city; repair grants to the City of Pana. 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 Pana total about $2.4M 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.