Natural hazards · Utica

Utica, IL natural hazards

Most of the natural-hazard damage FEMA expects in Utica comes from inland flooding, and overall the risk is low for a U.S. community. 3 federal disasters brought FEMA money into town.

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

Expected damage

How exposed is Utica?

Low

vs. U.S. communities

FEMA expects yearly storm and flood damage to homes and buildings in Utica to be higher than in 29% of U.S. communities, mostly from inland flooding and cold waves.

Inland flooding59%Cold waves17%Tornadoes9%Everything else15%

By hazard

What Utica faces

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

Inland flooding

59% of expected damage

Above average · higher than 50% of U.S. places

Recorded about 2 times a year in the area

Cold waves

17% of expected damage

Well below average · higher than 19% of U.S. places

Recorded about 5 times a year in the area

Tornadoes

9% of expected damage

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

Recorded about once every 9 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 Utica flood?

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

of homes in flood zones
are insured

of all homes
are insured

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

Insurance rates: La Salle County.

Disasters that hit Utica

3 federal disasters brought FEMA money here

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

Brought FEMA money into UticaDeclared for La Salle County only

2006

Snow

$4K to the Township of Utica for repairs

2004

Severe Storms and Tornadoes

$183K to the Township of Utica for repairs

1999

Il-Winter Storm 1/1/99

$3K to the Township of Utica for repairs

La Salle County has had 18 natural disasters declared since 1953, most often floods and winter storms.

Around Utica

Utica and the towns around it

Very lowLowModerateHighVery high

Ottawamostly inland floodingHigh

Uticamostly inland floodingLow

LaSallemostly inland floodingLow

Deer Parkmostly inland floodingLow

LaSallemostly cold wavesLow

Walthammostly inland floodingVery low

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