Natural hazards · Roanoke

Roanoke, IL natural hazards

Most of the natural-hazard damage FEMA expects in Roanoke comes from inland flooding, and overall the risk is moderate for a U.S. community. Flood insurance has paid 9 claims here since 2013. 7 federal disasters brought FEMA money into town.

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

Expected damage

How exposed is Roanoke?

Moderate

vs. U.S. communities

FEMA expects yearly storm and flood damage to homes and buildings in Roanoke to be higher than in 57% of U.S. communities, mostly from inland flooding and cold waves.

Inland flooding58%Cold waves15%Tornadoes10%Drought7%Everything else11%

By hazard

What Roanoke faces

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

Inland flooding

58% of expected damage

Well above average · higher than 77% of U.S. places

Recorded about once a year in the area

Cold waves

15% of expected damage

Above average · higher than 61% of U.S. places

Recorded about 5 times a year in the area

Tornadoes

10% of expected damage

Above average · higher than 72% of U.S. places

Recorded about once every 14 years in the area

Drought

7% of expected damage

Recorded about 5 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 Roanoke flood?

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

9paid claims since 2013

$431Kpaid to owners

3homes flooded more than once

20132026

Biggest named events

Mid-spring storms: 4 claims, $123K

Homes that flooded again and again

■ FEMA “severe repetitive loss” (1) ■ flooded 2+ times

of homes in flood zones
are insured

of all homes
are insured

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

Insurance rates: Woodford County.

Disasters that hit Roanoke

7 federal disasters brought FEMA money here

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

Brought FEMA money into RoanokeDeclared for Woodford County only

2013

Severe Storms, Straight-Line Winds, and Tornadoes

10 households applied for aid $2K aid approved

2013

Severe Storms, Straight-Line Winds, and Flooding

95 households applied for aid $367K aid approved $42K to the Village of Roanoke for repairs

2011

Severe Winter Storm and Snowstorm

$8K to the Village of Roanoke for repairs

2008

Severe Storms and Flooding

33 households applied for aid $66K aid approved $21K to the Village of Roanoke for repairs

2006

Severe Winter Storm

$5K to the Village of Roanoke for repairs

2003

Severe Storms, Tornadoes, and Flooding

2 households applied for aid $1K aid approved

1999

Il-Winter Storm 1/1/99

$5K to the Village of Roanoke for repairs

Woodford County has had 12 natural disasters declared since 1953, most often floods and severe storms.

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. Roanoke is smaller than a census tract, so it shares the figures of the tract around its center.

Money that reached townFlood claims are matched to Roanoke’s own flood-insurance community; household aid to the registrant’s city; repair grants to the Village of Roanoke. FEMA’s model follows property values, so a place that recently lost many homes can rate lower than it feels.

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.