Natural hazards · Tamms

Tamms, IL natural hazards

Most of the natural-hazard damage FEMA expects in Tamms comes from inland flooding, and overall the risk is very high for a U.S. community. Flood insurance has paid 9 claims here since 2008. 5 federal disasters brought FEMA money into town.

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

Expected damage

How exposed is Tamms?

Very high

vs. U.S. communities

FEMA expects yearly storm and flood damage to homes and buildings in Tamms to be higher than in 94% of U.S. communities, mostly from inland flooding and earthquakes.

Inland flooding55%Earthquakes18%Tornadoes8%Strong wind5%Everything else15%

By hazard

What Tamms faces

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

Inland flooding

55% of expected damage

Well above average · higher than 98% of U.S. places

Recorded about 7 times a year in the area

Earthquakes

18% of expected damage

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

Tornadoes

8% of expected damage

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

Recorded about once every 10 years in the area

Strong wind

5% of expected damage

Well above average · higher than 98% of U.S. places

Recorded about 4 times a year in the area

Lower here

HurricanesHailIce stormsWinter weatherCold wavesHeat 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 Tamms flood?

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

9paid claims since 2008

$224Kpaid to owners

3homes flooded more than once

20082026

Biggest named events

Mid-spring storms: 2 claims, $21K
March storm: 2 claims, $117K
Early winter storms: 1 claim, $11K

Homes that flooded again and again

■ FEMA “severe repetitive loss” (0) ■ flooded 2+ times

of homes in flood zones
are insured

of all homes
are insured

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

Insurance rates: Alexander County.

What’s been done with FEMA grants

17flood-prone properties bought out and cleared

2homes raised above flood level

Disasters that hit Tamms

5 federal disasters brought FEMA money here

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

Brought FEMA money into TammsDeclared for Alexander County only

2019

Severe Storms and Flooding

$121K to the Village of Tamms for repairs

2011

Severe Storms and Flooding

141 households applied for aid $893K aid approved $118K to the Village of Tamms for repairs

2009

Severe Winter Storm

$19K to the Village of Tamms for repairs

2003

Severe Storms, Tornadoes, and Flooding

4 households applied for aid $10K aid approved

2002

Severe Storms, Tornadoes and Flooding

$25K to the Village of Tamms for repairs

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

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

Tamms, IL natural hazards

How exposed is Tamms?

What Tamms faces

Inland flooding

Earthquakes

Tornadoes

Strong wind

Lower here

Not a risk here

Does Tamms flood?

Biggest named events

Homes that flooded again and again

What’s been done with FEMA grants

5 federal disasters brought FEMA money here

Severe Storms and Flooding

Severe Storms and Flooding

Severe Winter Storm

Severe Storms, Tornadoes, and Flooding

Severe Storms, Tornadoes and Flooding

How to read this page

Where to, neighbor?

Matches

Nearby