Natural hazards · Somerset

Somerset, IL natural hazards

Most of the natural-hazard damage FEMA expects in Somerset comes from earthquakes, and overall the risk is very high for a U.S. community. Flood insurance has paid 3 claims here since 1993.

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

Expected damage

How exposed is Somerset?

Very high

vs. U.S. communities

FEMA expects yearly storm and flood damage to homes and buildings in Somerset to be higher than in 80% of U.S. communities, mostly from earthquakes and inland flooding.

Earthquakes34%Inland flooding31%Strong wind11%Cold waves11%Everything else14%

By hazard

What Somerset faces

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

Earthquakes

34% of expected damage

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

Inland flooding

31% of expected damage

Above average · higher than 72% of U.S. places

Recorded about 6 times a year in the area

Strong wind

11% of expected damage

Well above average · among the top 1% of U.S. places

Recorded about 4 times a year in the area

Cold waves

11% of expected damage

Below average · higher than 46% of U.S. places

Recorded about once a year in the area

Lower here

HurricanesTornadoesHailIce stormsWinter weatherHeat wavesWildfireLandslidesLightningDrought

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 Somerset flood?

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

3paid claims since 1993

$15Kpaid to owners

0homes flooded more than once

19932026

of homes in flood zones
are insured

of all homes
are insured

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

Insurance rates: Jackson County.

Disasters that hit Somerset

Federal disasters declared here

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

Brought FEMA money into SomersetDeclared for Jackson County only

Jackson County has had 13 natural disasters declared since 1953, most often floods and severe storms.

Around Somerset

Somerset and the towns around it

Very lowLowModerateHighVery high

Murphysboromostly earthquakesVery high

De Sotomostly earthquakesVery high

Somersetmostly earthquakesVery high

Levanmostly earthquakesHigh

Vergennesmostly earthquakesHigh

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. Somerset covers 1 census tract, combined by population.

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