Natural hazards · Philo

Philo, IL natural hazards

Most of the natural-hazard damage FEMA expects in Philo comes from inland flooding, 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 Philo?

Moderate

vs. U.S. communities

FEMA expects yearly storm and flood damage to homes and buildings in Philo to be higher than in 46% of U.S. communities, mostly from inland flooding and cold waves.

Inland flooding39%Cold waves25%Tornadoes14%Drought8%Everything else14%

By hazard

What Philo faces

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

Inland flooding

39% of expected damage

Above average · higher than 62% of U.S. places

Recorded about 2 times a year in the area

Cold waves

25% of expected damage

Above average · higher than 57% of U.S. places

Recorded about 4 times a year in the area

Tornadoes

14% of expected damage

Well above average · higher than 86% of U.S. places

Recorded about once every 19 years in the area

Drought

8% of expected damage

Recorded about 2 times a year in the area

Lower here

HurricanesHailIce stormsWinter weatherHeat wavesWildfireEarthquakesLandslidesStrong 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 Philo flood?

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

of homes in flood zones
are insured

of all homes
are insured

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

Insurance rates: Champaign County.

Disasters that hit Philo

1 federal disaster brought FEMA money here

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

Brought FEMA money into PhiloDeclared for Champaign County only

1999

Il-Winter Storm 1/1/99

$7K to the Township of Philo for repairs

Champaign County has had 10 natural disasters declared since 1953, most often tornadoes and severe storms.

Around Philo

Philo and the towns around it

Very lowLowModerateHighVery high

Sidneymostly inland floodingHigh

Crittendenmostly inland floodingHigh

Tolonomostly inland floodingModerate

Philomostly inland floodingModerate

Urbanamostly inland floodingModerate

Savoymostly 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. Philo covers 1 census tract, combined by population.

Money that reached townFlood claims are matched to Philo’s own flood-insurance community; household aid to the registrant’s city; repair grants to the Township of Philo. 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 Philo 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.