Natural hazards · Pin Oak

Pin Oak, IL natural hazards

Most of the natural-hazard damage FEMA expects in Pin Oak comes from inland flooding, and overall the risk is high for a U.S. community. Flood insurance has paid 6 claims here since 1982.

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

Expected damage

How exposed is Pin Oak?

High

vs. U.S. communities

FEMA expects yearly storm and flood damage to homes and buildings in Pin Oak to be higher than in 62% of U.S. communities, mostly from inland flooding and earthquakes.

Inland flooding39%Earthquakes20%Tornadoes14%Heat waves10%Cold waves9%Everything else7%

By hazard

What Pin Oak 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 65% of U.S. places

Recorded about once a year in the area

Earthquakes

20% of expected damage

Well above average · higher than 83% of U.S. places

Tornadoes

14% of expected damage

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

Recorded about once every 15 years in the area

Heat waves

10% of expected damage

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

Recorded about 15 times a year in the area

Cold waves

9% of expected damage

Well below average · higher than 18% of U.S. places

Recorded about 2 times a year in the area

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 Pin Oak flood?

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

6paid claims since 1982

$81Kpaid to owners

0homes flooded more than once

19822026

Biggest named events

Midwest Flooding: 1 claim, $10K

of all homes
are insured

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

Insurance rates: Madison County.

Disasters that hit Pin Oak

Federal disasters declared here

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

Brought FEMA money into Pin OakDeclared for Madison County only

Madison County has had 14 natural disasters declared since 1953, most often floods and severe storms.

Around Pin Oak

Pin Oak and the towns around it

Very lowLowModerateHighVery high

Pin Oakmostly inland floodingHigh

Marinemostly inland floodingHigh

Jarvismostly inland floodingModerate

Hamelmostly inland floodingModerate

Edwardsvillemostly inland floodingModerate

Edwardsvillemostly earthquakesModerate

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. Pin Oak covers 1 census tract, combined by population.

Money that reached townFlood claims are matched to Pin Oak’s own flood-insurance community (here, the census tracts inside it); household aid to the registrant’s city; repair grants to the Township of Pin Oak. 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 Pin Oak total about $4.1M 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.