Natural hazards · Sangamon

Sangamon, IL natural hazards

Most of the natural-hazard damage FEMA expects in Sangamon comes from inland flooding, and overall the risk is high for a U.S. community. Flood insurance has paid 5 claims here since 2008. 1 federal disaster brought FEMA money into town.

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

Expected damage

How exposed is Sangamon?

High

vs. U.S. communities

FEMA expects yearly storm and flood damage to homes and buildings in Sangamon to be higher than in 74% of U.S. communities, mostly from inland flooding.

Inland flooding53%Drought15%Cold waves11%Tornadoes8%Strong wind5%Everything else9%

By hazard

What Sangamon faces

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

Inland flooding

53% of expected damage

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

Recorded about once a year in the area

Drought

15% of expected damage

Recorded about 2 times a year in the area

Cold waves

11% of expected damage

Above average · higher than 57% of U.S. places

Recorded about 4 times a year in the area

Tornadoes

8% of expected damage

Well above average · higher than 89% of U.S. places

Recorded about once every 5 years in the area

Strong wind

5% of expected damage

Well above average · higher than 95% of U.S. places

Recorded about 5 times a year in the area

Lower here

HurricanesHailIce stormsWinter weatherHeat wavesWildfireEarthquakesLandslidesLightning

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 Sangamon flood?

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

5paid claims since 2008

$236Kpaid to owners

0homes flooded more than once

20082026

Biggest named events

Hurricane Ike: 1 claim, $12K

of homes in flood zones
are insured

of all homes
are insured

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

Insurance rates: Piatt County.

Disasters that hit Sangamon

1 federal disaster brought FEMA money here

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

Brought FEMA money into SangamonDeclared for Piatt County only

1999

Il-Winter Storm 1/1/99

$2K to the Township of Sangamon for repairs

Piatt County has had 7 natural disasters declared since 1953, most often ice storms and tornadoes.

Around Sangamon

Sangamon and the towns around it

Very lowLowModerateHighVery high

Mahometmostly inland floodingHigh

Sangamonmostly inland floodingHigh

Blue Ridgemostly inland floodingHigh

Goose Creekmostly inland floodingHigh

Monticellomostly inland floodingHigh

Scottmostly 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. Sangamon covers 1 census tract, combined by population.

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