Natural hazards · Spring Valley

Spring Valley, IL natural hazards

Most of the natural-hazard damage FEMA expects in Spring Valley comes from inland flooding, and overall the risk is low for a U.S. community. Flood insurance has paid 6 claims here since 1982. 1 federal disaster brought FEMA money into town.

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

Expected damage

How exposed is Spring Valley?

Low

vs. U.S. communities

FEMA expects yearly storm and flood damage to homes and buildings in Spring Valley to be higher than in 34% of U.S. communities, mostly from inland flooding and tornadoes.

Inland flooding43%Tornadoes24%Cold waves18%Everything else15%

By hazard

What Spring Valley faces

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

Inland flooding

43% of expected damage

Below average · higher than 43% of U.S. places

Recorded about once a year in the area

Tornadoes

24% of expected damage

Well above average · higher than 92% of U.S. places

Cold waves

18% of expected damage

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

Recorded about 5 times a year in the area

Lower here

HurricanesHailIce stormsWinter weatherHeat wavesWildfireEarthquakesLandslidesStrong 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 Spring Valley flood?

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

6paid claims since 1982

$22Kpaid to owners

0homes flooded more than once

19822026

of homes in flood zones
are insured

of all homes
are insured

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

Insurance rates: Bureau County.

Disasters that hit Spring Valley

1 federal disaster brought FEMA money here

Disasters the President declared that paid out in Spring Valley itself: aid to households, or repair grants to the City of Spring Valley.

Brought FEMA money into Spring ValleyDeclared for Bureau County only

2013

Severe Storms, Straight-Line Winds, and Flooding

19 households applied for aid $27K aid approved

Bureau County has had 15 natural disasters declared since 1953, most often floods and winter storms.

Around Spring Valley

Spring Valley and the towns around it

Very lowLowModerateHighVery high

Spring Valleymostly inland floodingLow

Hallmostly inland floodingLow

Perumostly 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. Spring Valley covers 1 census tract, combined by population.

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