Natural hazards · Smithboro

Smithboro, IL natural hazards

Most of the natural-hazard damage FEMA expects in Smithboro comes from inland flooding, and overall the risk is moderate for a U.S. community.

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

Expected damage

How exposed is Smithboro?

Moderate

vs. U.S. communities

FEMA expects yearly storm and flood damage to homes and buildings in Smithboro to be higher than in 57% of U.S. communities, mostly from inland flooding and earthquakes.

Inland flooding34%Earthquakes25%Tornadoes15%Cold waves9%Heat waves6%Everything else12%

By hazard

What Smithboro 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 once a year in the area

Earthquakes

25% of expected damage

Well above average · higher than 83% of U.S. places

Tornadoes

15% of expected damage

Well above average · higher than 79% of U.S. places

Recorded about once every 11 years in the area

Cold waves

9% of expected damage

Well below average · higher than 17% of U.S. places

Recorded about 2 times a year in the area

Heat waves

6% of expected damage

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

Recorded about 10 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 Smithboro flood?

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

of all homes
are insured

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

Insurance rates: Bond County.

Disasters that hit Smithboro

Federal disasters declared here

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

Brought FEMA money into SmithboroDeclared for Bond County only

Bond County has had 5 natural disasters declared since 1953, most often tornadoes and winter storms.

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