Natural hazards · Phillips

Phillips, IL natural hazards

Most of the natural-hazard damage FEMA expects in Phillips comes from earthquakes, and overall the risk is high for a U.S. community. Flood insurance has paid 10 claims here since 1996.

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

Expected damage

How exposed is Phillips?

High

vs. U.S. communities

FEMA expects yearly storm and flood damage to homes and buildings in Phillips to be higher than in 75% of U.S. communities, mostly from earthquakes and inland flooding.

Earthquakes43%Inland flooding30%Tornadoes8%Everything else19%

By hazard

What Phillips faces

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

Earthquakes

43% of expected damage

Well above average · higher than 89% of U.S. places

Inland flooding

30% of expected damage

Above average · higher than 59% of U.S. places

Recorded about 7 times a year in the area

Tornadoes

8% of expected damage

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

Recorded about once every 8 years in the area

Lower here

HurricanesHailIce stormsWinter weatherCold wavesHeat 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 Phillips flood?

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

10paid claims since 1996

$317Kpaid to owners

0homes flooded more than once

19962026

Biggest named events

Mid-spring storms: 4 claims, $177K

of homes in flood zones
are insured

of all homes
are insured

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

Insurance rates: White County.

Disasters that hit Phillips

Federal disasters declared here

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

Brought FEMA money into PhillipsDeclared for White County only

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

Around Phillips

Phillips and the towns around it

Very lowLowModerateHighVery high

Harmonymostly inland floodingVery high

Phillipsmostly earthquakesHigh

Hawthornemostly earthquakesHigh

Graymostly earthquakesHigh

Burnt Prairiemostly earthquakesHigh

Carmimostly earthquakesHigh

Bethelmostly inland floodingHigh

Robbmostly inland floodingHigh

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. Phillips covers 1 census tract, combined by population.

Money that reached townFlood claims are matched to Phillips’s own flood-insurance community (here, the census tracts inside it); household aid to the registrant’s city; repair grants to the Township of Phillips. 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 Phillips total about $3.7M 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.