Natural hazards · Quiver

Quiver, IL natural hazards

Most of the natural-hazard damage FEMA expects in Quiver comes from inland flooding, and overall the risk is moderate for a U.S. community. Flood insurance has paid 19 claims here since 1979. 3 federal disasters brought FEMA money into town.

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

Expected damage

How exposed is Quiver?

Moderate

vs. U.S. communities

FEMA expects yearly storm and flood damage to homes and buildings in Quiver to be higher than in 48% of U.S. communities, mostly from inland flooding and cold waves.

Inland flooding35%Cold waves18%Drought13%Tornadoes11%Strong wind10%Everything else13%

By hazard

What Quiver faces

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

Inland flooding

35% of expected damage

Above average · higher than 53% of U.S. places

Recorded about once a year in the area

Cold waves

18% of expected damage

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

Recorded about 4 times a year in the area

Drought

13% of expected damage

Recorded about 5 times a year in the area

Tornadoes

11% of expected damage

Well above average · higher than 94% of U.S. places

Recorded about once every 9 years in the area

Strong wind

10% of expected damage

Well above average · higher than 95% of U.S. places

Recorded about 5 times a year in the area

Lower here

HurricanesHailIce stormsWinter weatherHeat wavesWildfireEarthquakesLandslidesLightning

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 Quiver flood?

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

19paid claims since 1979

$248Kpaid to owners

0homes flooded more than once

19792026

Biggest named events

Mid-spring storms: 2 claims, $75K
Midwest Flooding: 1 claim, $500

of homes in flood zones
are insured

of all homes
are insured

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

Insurance rates: Mason County.

Disasters that hit Quiver

3 federal disasters brought FEMA money here

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

Brought FEMA money into QuiverDeclared for Mason County only

2011

Severe Winter Storm and Snowstorm

$3K to the Township of Quiver for repairs

2006

Snow

$4K to the Township of Quiver for repairs

1999

Il-Winter Storm 1/1/99

$3K to the Township of Quiver for repairs

Mason County has had 16 natural disasters declared since 1953, most often floods and severe storms.

Around Quiver

Quiver and the towns around it

Very lowLowModerateHighVery high

Havanamostly inland floodingHigh

Spring Lakemostly inland floodingHigh

Forest Citymostly inland floodingModerate

Manitomostly inland floodingModerate

Quivermostly inland floodingModerate

Liverpoolmostly inland floodingLow

Waterfordmostly inland floodingLow

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. Quiver covers 1 census tract, combined by population.

Money that reached townFlood claims are matched to Quiver’s own flood-insurance community (here, the census tracts inside it); household aid to the registrant’s city; repair grants to the Township of Quiver. 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 Quiver total about $1.5M 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.