Natural hazards · Timber

Timber, IL natural hazards

Most of the natural-hazard damage FEMA expects in Timber comes from inland flooding, and overall the risk is moderate for a U.S. community. Flood insurance has paid 11 claims here since 1981.

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

Expected damage

How exposed is Timber?

Moderate

vs. U.S. communities

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

Inland flooding48%Cold waves21%Tornadoes13%Everything else18%

By hazard

What Timber faces

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

Inland flooding

48% of expected damage

Above average · higher than 59% of U.S. places

Recorded about 2 times a year in the area

Cold waves

21% of expected damage

Above average · higher than 61% of U.S. places

Recorded about 5 times a year in the area

Tornadoes

13% of expected damage

Well above average · higher than 89% of U.S. places

Recorded about once every 18 years 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 Timber flood?

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

11paid claims since 1981

$143Kpaid to owners

0homes flooded more than once

19812026

Biggest named events

Midwest Flooding: 2 claims, $49K
Mid-spring storms: 1 claim, $3K

of all homes
are insured

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

Insurance rates: Peoria County.

Disasters that hit Timber

Federal disasters declared here

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

Brought FEMA money into TimberDeclared for Peoria County only

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

Around Timber

Timber and the towns around it

Very lowLowModerateHighVery high

Spring Lakemostly inland floodingHigh

Timbermostly inland floodingModerate

Kingston Minesmostly inland floodingModerate

Hollismostly inland floodingModerate

Loganmostly inland floodingLow

Bannermostly inland floodingLow

Orionmostly 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. Timber covers 1 census tract, combined by population.

Money that reached townFlood claims are matched to Timber’s own flood-insurance community (here, the census tracts inside it); household aid to the registrant’s city; repair grants to the Township of Timber. 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 Timber total about $2.3M 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.