Natural hazards · Teutopolis

Teutopolis, IL natural hazards

Most of the natural-hazard damage FEMA expects in Teutopolis comes from inland flooding, and overall the risk is moderate for a U.S. community. Flood insurance has paid 1 claim here since 2019.

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

Expected damage

How exposed is Teutopolis?

Moderate

vs. U.S. communities

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

Inland flooding37%Earthquakes28%Tornadoes12%Cold waves9%Heat waves5%Everything else10%

By hazard

What Teutopolis faces

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

Inland flooding

37% of expected damage

Below average · higher than 42% of U.S. places

Recorded about 2 times a year in the area

Earthquakes

28% of expected damage

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

Tornadoes

12% of expected damage

Above average · higher than 74% of U.S. places

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

5% of expected damage

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

Recorded about 8 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 Teutopolis flood?

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

1paid claims since 2019

$3Kpaid to owners

0homes flooded more than once

20192026

of all homes
are insured

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

Insurance rates: Effingham County.

Disasters that hit Teutopolis

Federal disasters declared here

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

Brought FEMA money into TeutopolisDeclared for Effingham County only

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

Around Teutopolis

Teutopolis and the towns around it

Very lowLowModerateHighVery high

Watsonmostly inland floodingHigh

St. Francismostly inland floodingModerate

Teutopolismostly inland floodingModerate

Douglasmostly inland floodingModerate

Effinghammostly earthquakesLow

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. Teutopolis covers 1 census tract, combined by population.

Money that reached townFlood claims are matched to Teutopolis’s own flood-insurance community (here, the census tracts inside it); household aid to the registrant’s city; repair grants to the Township of Teutopolis. 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 Teutopolis total about $2.7M 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.