Natural hazards · Scotland

Scotland, IL natural hazards

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

Moderate

vs. U.S. communities

FEMA expects yearly storm and flood damage to homes and buildings in Scotland to be higher than in 47% of U.S. communities, mostly from inland flooding and cold waves.

Inland flooding30%Cold waves20%Heat waves17%Tornadoes14%Strong wind6%Hail6%Everything else8%

By hazard

What Scotland faces

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

Inland flooding

30% of expected damage

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

Recorded about 2 times a year in the area

Cold waves

20% of expected damage

Below average · higher than 47% of U.S. places

Recorded about 4 times a year in the area

Heat waves

17% of expected damage

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

Recorded about 9 times a year in the area

Tornadoes

14% of expected damage

Well above average · higher than 77% of U.S. places

Strong wind

6% of expected damage

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

Recorded about 6 times a year in the area

Hail

6% of expected damage

Well above average · higher than 93% of U.S. places

Recorded about 4 times a year in the area

Lower here

HurricanesIce 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 Scotland flood?

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

of all homes
are insured

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

Insurance rates: McDonough County.

Disasters that hit Scotland

1 federal disaster brought FEMA money here

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

Brought FEMA money into ScotlandDeclared for McDonough County only

1999

Il-Winter Storm 1/1/99

$3K to the Township of Scotland for repairs

McDonough County has had 9 natural disasters declared since 1953, most often winter storms and severe storms.

Around Scotland

Scotland and the towns around it

Very lowLowModerateHighVery high

Industrymostly droughtModerate

Chalmersmostly inland floodingModerate

New Salemmostly droughtModerate

Scotlandmostly inland floodingModerate

Macombmostly inland floodingModerate

Macombmostly inland floodingLow

Macomb Citymostly 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. Scotland covers 1 census tract, combined by population.

Money that reached townFlood claims are matched to Scotland’s own flood-insurance community; household aid to the registrant’s city; repair grants to the Township of Scotland. 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 Scotland 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.