Natural hazards · Thayer

Thayer, IL natural hazards

Most of the natural-hazard damage FEMA expects in Thayer comes from inland flooding, and overall the risk is moderate for a U.S. community. Flood insurance has paid 1 claim here since 2010. 2 federal disasters brought FEMA money into town.

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

Expected damage

How exposed is Thayer?

Moderate

vs. U.S. communities

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

Inland flooding45%Tornadoes16%Cold waves13%Earthquakes10%Heat waves7%Everything else10%

By hazard

What Thayer faces

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

Inland flooding

45% of expected damage

Above average · higher than 65% of U.S. places

Recorded about 2 times a year in the area

Tornadoes

16% of expected damage

Well above average · higher than 94% of U.S. places

Recorded about once every 27 years in the area

Cold waves

13% of expected damage

Above average · higher than 56% of U.S. places

Recorded about 3 times a year in the area

Earthquakes

10% of expected damage

Well above average · higher than 78% of U.S. places

Heat waves

7% of expected damage

Above average · higher than 53% 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 Thayer flood?

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

1paid claims since 2010

$179paid to owners

0homes flooded more than once

20102026

of homes in flood zones
are insured

of all homes
are insured

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

Insurance rates: Sangamon County.

Disasters that hit Thayer

2 federal disasters brought FEMA money here

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

Brought FEMA money into ThayerDeclared for Sangamon County only

2002

Severe Storms, Tornadoes and Flooding

$15K to the Village of Thayer for repairs

1999

Il-Winter Storm 1/1/99

$1K to the Village of Thayer for repairs

Sangamon County has had 10 natural disasters declared since 1953, most often severe storms 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. Thayer 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 Thayer’s own flood-insurance community; household aid to the registrant’s city; repair grants to the Village of Thayer. 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.