Natural hazards · Tompkins

Tompkins, IL natural hazards

Most of the natural-hazard damage FEMA expects in Tompkins comes from drought, and overall the risk is high for a U.S. community.

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

Expected damage

How exposed is Tompkins?

High

vs. U.S. communities

FEMA expects yearly storm and flood damage to homes and buildings in Tompkins to be higher than in 66% of U.S. communities, mostly from drought and inland flooding.

Drought27%Inland flooding23%Cold waves16%Heat waves9%Strong wind8%Hail6%Everything else10%

By hazard

What Tompkins faces

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

Drought

27% of expected damage

Recorded about 8 times a year in the area

Inland flooding

23% of expected damage

Above average · higher than 70% of U.S. places

Recorded about once a year in the area

Cold waves

16% of expected damage

Below average · higher than 48% of U.S. places

Recorded about 5 times a year in the area

Heat waves

9% of expected damage

Well above average · higher than 85% of U.S. places

Recorded about 9 times a year in the area

Strong wind

8% of expected damage

Well above average · among the top 1% of U.S. places

Recorded about 6 times a year in the area

Hail

6% of expected damage

Well above average · higher than 96% of U.S. places

Recorded about 4 times a year in the area

Lower here

HurricanesIce stormsWinter weatherWildfireEarthquakesLandslidesLightning

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 Tompkins flood?

FEMA's records show no paid flood insurance claims in Tompkins.

of all homes
are insured

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

Insurance rates: Warren County.

Disasters that hit Tompkins

Federal disasters declared here

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

Brought FEMA money into TompkinsDeclared for Warren County only

Warren County has had 7 natural disasters declared since 1953, most often severe storms and floods.

Around Tompkins

Tompkins and the towns around it

Very lowLowModerateHighVery high

Biggsvillemostly inland floodingVery high

Tompkinsmostly droughtHigh

Ellisonmostly droughtHigh

Halemostly droughtHigh

Lenoxmostly droughtHigh

Monmouthmostly inland floodingModerate

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