Natural hazards · Rural

Rural, IL natural hazards

Most of the natural-hazard damage FEMA expects in Rural 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 Rural?

Moderate

vs. U.S. communities

FEMA expects yearly storm and flood damage to homes and buildings in Rural to be higher than in 42% of U.S. communities, mostly from inland flooding and cold waves.

Inland flooding34%Cold waves23%Tornadoes15%Heat waves8%Strong wind6%Everything else14%

By hazard

What Rural faces

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

Inland flooding

34% of expected damage

Above average · higher than 55% of U.S. places

Recorded about 3 times a year in the area

Cold waves

23% of expected damage

Above average · higher than 52% of U.S. places

Recorded about 6 times a year in the area

Tornadoes

15% of expected damage

Well above average · higher than 81% of U.S. places

Recorded about once every 21 years in the area

Heat waves

8% of expected damage

Below average · higher than 25% of U.S. places

Recorded about 7 times a year in the area

Strong wind

6% of expected damage

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

Recorded about 6 times a year in the area

Lower here

HurricanesHailIce stormsWinter weatherWildfireEarthquakesLandslidesLightningDrought

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 Rural flood?

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

of homes in flood zones
are insured

of all homes
are insured

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

Insurance rates: Rock Island County.

Disasters that hit Rural

1 federal disaster brought FEMA money here

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

Brought FEMA money into RuralDeclared for Rock Island County only

2011

Severe Winter Storm and Snowstorm

$3K to the Township of Rural for repairs

Rock Island County has had 13 natural disasters declared since 1953, most often floods and winter storms.

Around Rural

Rural and the towns around it

Very lowLowModerateHighVery high

Colonamostly inland floodingHigh

Bowlingmostly inland floodingHigh

Coal Valleymostly inland floodingModerate

Richland Grovemostly inland floodingModerate

Preemptionmostly inland floodingModerate

Blackhawkmostly inland floodingModerate

Westernmostly inland floodingModerate

Ruralmostly inland floodingModerate

Coyne Centermostly 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. Rural covers 1 census tract, combined by population.

Money that reached townFlood claims are matched to Rural’s own flood-insurance community; household aid to the registrant’s city; repair grants to the Township of Rural. 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 Rural total about $1.2M 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.