Natural hazards · Tuscola

Tuscola, IL natural hazards

Most of the natural-hazard damage FEMA expects in Tuscola comes from inland flooding, and overall the risk is very high for a U.S. community. Flood insurance has paid 53 claims here since 1978. 4 federal disasters brought FEMA money into town.

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

Expected damage

How exposed is Tuscola?

Very high

vs. U.S. communities

FEMA expects yearly storm and flood damage to homes and buildings in Tuscola to be higher than in 85% of U.S. communities, mostly from inland flooding and hail.

Inland flooding40%Hail24%Cold waves12%Strong wind8%Earthquakes6%Tornadoes6%Everything else4%

By hazard

What Tuscola faces

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

Inland flooding

40% of expected damage

Well above average · higher than 84% of U.S. places

Recorded about once a year in the area

Hail

24% of expected damage

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

Recorded about 3 times a year in the area

Cold waves

12% of expected damage

Above average · higher than 55% of U.S. places

Recorded about 3 times a year in the area

Strong wind

8% of expected damage

Well above average · higher than 91% of U.S. places

Recorded about 4 times a year in the area

Earthquakes

6% of expected damage

Well above average · higher than 79% of U.S. places

Tornadoes

6% of expected damage

Well above average · higher than 79% of U.S. places

Lower here

HurricanesIce stormsWinter weatherHeat 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 Tuscola flood?

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

53paid claims since 1978

$294Kpaid to owners

4homes flooded more than once

19782026

Biggest named events

Mid-spring storms: 1 claim, $801

Homes that flooded again and again

■ FEMA “severe repetitive loss” (1) ■ flooded 2+ times

of homes in flood zones
are insured

of all homes
are insured

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

Insurance rates: Douglas County.

Disasters that hit Tuscola

4 federal disasters brought FEMA money here

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

Brought FEMA money into TuscolaDeclared for Douglas County only

2013

Severe Storms, Straight-Line Winds, and Tornadoes

37 households applied for aid

2013

Severe Storms, Straight-Line Winds, and Flooding

2 households applied for aid $26K aid approved

2008

Severe Storms and Flooding

26 households applied for aid $61K aid approved

1999

Il-Winter Storm 1/1/99

$4K to the City of Tuscola for repairs

Douglas County has had 11 natural disasters declared since 1953, most often severe storms and tornadoes.

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. Tuscola covers 1 census tract, combined by population.

Money that reached townFlood claims are matched to Tuscola’s own flood-insurance community; household aid to the registrant’s city; repair grants to the City of Tuscola. 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 Tuscola total about $3.7M 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.