Natural hazards · Versailles

Versailles, IL natural hazards

Most of the natural-hazard damage FEMA expects in Versailles comes from inland flooding, and overall the risk is moderate for a U.S. community. 2 federal disasters brought FEMA money into town.

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

Expected damage

How exposed is Versailles?

Moderate

vs. U.S. communities

FEMA expects yearly storm and flood damage to homes and buildings in Versailles to be higher than in 59% of U.S. communities, mostly from inland flooding and cold waves.

Inland flooding27%Cold waves23%Heat waves16%Drought13%Strong wind9%Tornadoes6%Everything else7%

By hazard

What Versailles faces

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

Inland flooding

27% of expected damage

Above average · higher than 73% of U.S. places

Recorded about once every 2 years in the area

Cold waves

23% of expected damage

Below average · higher than 47% of U.S. places

Recorded about 4 times a year in the area

Heat waves

16% of expected damage

Well above average · higher than 86% of U.S. places

Recorded about 8 times a year in the area

Drought

13% of expected damage

Recorded about 4 times a year in the area

Strong wind

9% of expected damage

Well above average · higher than 95% of U.S. places

Recorded about 5 times a year in the area

Tornadoes

6% of expected damage

Well above average · higher than 80% of U.S. places

Recorded about once every 4 years in the area

Lower here

HurricanesHailIce 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 Versailles flood?

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

of homes in flood zones
are insured

of all homes
are insured

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

Insurance rates: Brown County.

Disasters that hit Versailles

2 federal disasters brought FEMA money here

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

Brought FEMA money into VersaillesDeclared for Brown County only

2013

Severe Storms, Straight-Line Winds, and Flooding

$3K to the Township of Versailles for repairs

2011

Severe Winter Storm and Snowstorm

$2K to the Township of Versailles for repairs

Brown County has had 14 natural disasters declared since 1953, most often floods and severe storms.

Around Versailles

Versailles and the towns around it

Very lowLowModerateHighVery high

Hagenermostly cold wavesHigh

Versaillesmostly inland floodingModerate

Cooperstownmostly inland floodingModerate

Elkhornmostly inland floodingModerate

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