Natural hazards · Ruma

Ruma, IL natural hazards

Most of the natural-hazard damage FEMA expects in Ruma comes from earthquakes, and overall the risk is high for a U.S. community.

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

Expected damage

How exposed is Ruma?

High

vs. U.S. communities

FEMA expects yearly storm and flood damage to homes and buildings in Ruma to be higher than in 73% of U.S. communities, mostly from earthquakes and inland flooding.

Earthquakes37%Inland flooding28%Tornadoes9%Strong wind8%Cold waves6%Heat waves6%Everything else6%

By hazard

What Ruma faces

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

Earthquakes

37% of expected damage

Well above average · higher than 87% of U.S. places

Inland flooding

28% of expected damage

Above average · higher than 54% of U.S. places

Recorded about once a year in the area

Tornadoes

9% of expected damage

Well above average · higher than 88% of U.S. places

Recorded about once every 8 years in the area

Strong wind

8% of expected damage

Well above average · among the top 1% of U.S. places

Recorded about 6 times a year in the area

Cold waves

6% of expected damage

Well below average · higher than 19% of U.S. places

Recorded about once a year in the area

Heat waves

6% of expected damage

Above average · higher than 66% of U.S. places

Recorded about 11 times a year in the area

Lower here

HurricanesHailIce stormsWinter weatherWildfireLandslidesLightningDrought

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 Ruma flood?

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

of homes in flood zones
are insured

of all homes
are insured

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

Insurance rates: Randolph County.

Disasters that hit Ruma

Federal disasters declared here

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

Brought FEMA money into RumaDeclared for Randolph County only

Randolph County has had 15 natural disasters declared since 1953, most often severe storms and floods.

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. Ruma 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 Ruma’s own flood-insurance community; household aid to the registrant’s city; repair grants to the Village of Ruma. 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.