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Natural hazards · Peru

Peru, IL natural hazards

Most of the natural-hazard damage FEMA expects in Peru comes from inland flooding, and overall the risk is very low for a U.S. community. Flood insurance has paid 45 claims here since 1979. 8 federal disasters brought FEMA money into town.

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

How exposed is Peru?

13
Very low
vs. U.S. communities

FEMA expects yearly storm and flood damage to homes and buildings in Peru to be higher than in 13% of U.S. communities, mostly from inland flooding and cold waves.

Inland flooding43%Cold waves32%Tornadoes11%Earthquakes6%Everything else7%
By hazard

What Peru faces

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

Inland flooding

43% of expected damage
Below average · higher than 26% of U.S. places
Recorded about 2 times a year in the area

Cold waves

32% of expected damage
Well below average · higher than 19% of U.S. places
Recorded about 5 times a year in the area

Tornadoes

11% of expected damage
Above average · higher than 65% of U.S. places

Earthquakes

6% of expected damage
Above average · higher than 66% of U.S. places

Lower here

HurricanesHailIce stormsWinter weatherHeat wavesWildfireLandslidesStrong 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 Peru flood?

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

45paid claims since 1979
$1.3Mpaid to owners
7homes flooded more than once
19792026

Biggest named events

  • Mid-spring storms: 7 claims, $603K
  • Hurricane Ike: 2 claims, $44K

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. Peru isn’t in FEMA’s Community Rating System, which cuts flood insurance up to 45% in towns that do extra flood-proofing.
Insurance rates: La Salle County.
Disasters that hit Peru

8 federal disasters brought FEMA money here

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

Brought FEMA money into PeruDeclared for La Salle County only
2013

Severe Storms, Straight-Line Winds, and Flooding

37 households applied for aid $49K aid approved $422K to the City of Peru for repairs
2011

Severe Winter Storm and Snowstorm

$35K to the City of Peru for repairs
2008

Severe Storms and Flooding

5 households applied for aid $7K aid approved $54K to the City of Peru for repairs
2007

Severe Storms and Flooding

78 households applied for aid $152K aid approved $77K to the City of Peru for repairs
2006

Snow

$27K to the City of Peru for repairs
2004

Severe Storms and Tornadoes

10 households applied for aid $15K to the City of Peru for repairs
2000

Illinois Winter Snow Storms

$8K to the City of Peru for repairs
1999

Il-Winter Storm 1/1/99

$12K to the City of Peru for repairs
La Salle County has had 18 natural disasters declared since 1953, most often floods and winter storms.
Around Peru

Peru and the towns around it

LaSalle: Low, mostly cold wavesPeru: Low, mostly inland floodingDalzell: Low, mostly inland floodingLaSalle: Low, mostly inland floodingDimmick: Very low, mostly inland floodingNorth Utica: Low, mostly inland floodingUtica: Low, mostly inland floodingEden: Low, mostly inland floodingSpring Valley: Low, mostly inland floodingHall: Low, mostly inland floodingDeer Park: Low, mostly inland floodingOglesby: Low, mostly inland floodingTroy Grove: Very low, mostly inland floodingWaltham: Very low, mostly inland floodingPeru: Very low, mostly inland flooding PeruLaSallePeruDalzellLaSalleDimmick
Very lowLowModerateHighVery high
Dalzellmostly inland floodingLow
LaSallemostly inland floodingLow
Perumostly inland floodingLow
LaSallemostly cold wavesLow
Perumostly inland floodingVery low
Dimmickmostly inland floodingVery low
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. Peru covers 1 census tract, combined by population.
Money that reached townFlood claims are matched to Peru’s own flood-insurance community; household aid to the registrant’s city; repair grants to the City of Peru. 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 Peru total about $2.0M 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.

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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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