Natural hazards · Rutland

Rutland, IL natural hazards

Most of the natural-hazard damage FEMA expects in Rutland comes from inland flooding, and overall the risk is low for a U.S. community. 2 federal disasters brought FEMA money into town.

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

Expected damage

How exposed is Rutland?

Low

vs. U.S. communities

FEMA expects yearly storm and flood damage to homes and buildings in Rutland to be higher than in 30% of U.S. communities, mostly from inland flooding and cold waves.

Inland flooding52%Cold waves18%Drought9%Tornadoes8%Earthquakes6%Everything else7%

By hazard

What Rutland faces

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

Inland flooding

52% of expected damage

Above average · higher than 50% of U.S. places

Recorded about 2 times a year in the area

Cold waves

18% of expected damage

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

Recorded about 5 times a year in the area

Drought

9% of expected damage

Recorded about 10 times a year in the area

Tornadoes

8% of expected damage

Above average · higher than 63% of U.S. places

Recorded about once every 5 years in the area

Earthquakes

6% of expected damage

Above average · higher than 69% of U.S. places

Lower here

HurricanesHailIce stormsWinter weatherHeat wavesWildfireLandslidesStrong 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 Rutland flood?

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

of homes in flood zones
are insured

of all homes
are insured

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

Insurance rates: La Salle County.

Disasters that hit Rutland

2 federal disasters brought FEMA money here

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

Brought FEMA money into RutlandDeclared for La Salle County only

2013

Severe Storms, Straight-Line Winds, and Flooding

1 household applied for aid $986 aid approved

1999

Il-Winter Storm 1/1/99

$1K to the Village of Rutland for repairs

La Salle County has had 18 natural disasters declared since 1953, most often floods and winter storms.

Around Rutland

Rutland and the towns around it

Very lowLowModerateHighVery high

Benningtonmostly inland floodingLow

Rutlandmostly inland floodingLow

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