Natural hazards · Saline

Saline, IL natural hazards

Most of the natural-hazard damage FEMA expects in Saline comes from earthquakes, and overall the risk is high for a U.S. community. Flood insurance has paid 1 claim here since 2023.

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

Expected damage

How exposed is Saline?

High

vs. U.S. communities

FEMA expects yearly storm and flood damage to homes and buildings in Saline to be higher than in 64% of U.S. communities, mostly from earthquakes and inland flooding.

Earthquakes33%Inland flooding31%Tornadoes15%Heat waves9%Cold waves8%Everything else5%

By hazard

What Saline faces

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

Earthquakes

33% of expected damage

Well above average · higher than 85% of U.S. places

Inland flooding

31% of expected damage

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

Recorded about once a year in the area

Tornadoes

15% of expected damage

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

Heat waves

9% of expected damage

Well above average · higher than 86% of U.S. places

Recorded about 15 times a year in the area

Cold waves

8% of expected damage

Well below average · higher than 18% of U.S. places

Recorded about 2 times a year in the area

Lower here

HurricanesHailIce stormsWinter weatherWildfireLandslidesStrong windLightningDrought

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 Saline flood?

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

1paid claims since 2023

$27Kpaid to owners

0homes flooded more than once

20232026

of all homes
are insured

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

Insurance rates: Madison County.

Disasters that hit Saline

Federal disasters declared here

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

Brought FEMA money into SalineDeclared for Madison County only

Madison County has had 14 natural disasters declared since 1953, most often floods and severe storms.

Around Saline

Saline and the towns around it

Very lowLowModerateHighVery high

Helvetiamostly inland floodingHigh

Leefmostly inland floodingHigh

Salinemostly earthquakesHigh

Burgessmostly inland floodingHigh

St. Jacobmostly inland floodingHigh

Marinemostly inland floodingHigh

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. Saline covers 2 census tracts, combined by population.

Money that reached townFlood claims are matched to Saline’s own flood-insurance community (here, the census tracts inside it); household aid to the registrant’s city; repair grants to the Township of Saline. 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 Saline total about $4.0M 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.