Natural hazards · Virden

Virden, IL natural hazards

Most of the natural-hazard damage FEMA expects in Virden comes from inland flooding, and overall the risk is low for a U.S. community.

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

Expected damage

How exposed is Virden?

Low

vs. U.S. communities

FEMA expects yearly storm and flood damage to homes and buildings in Virden to be higher than in 35% of U.S. communities, mostly from inland flooding and cold waves.

Inland flooding27%Cold waves20%Earthquakes18%Heat waves13%Tornadoes10%Strong wind6%Everything else8%

By hazard

What Virden 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

Below average · higher than 25% of U.S. places

Recorded about once a year in the area

Cold waves

20% of expected damage

Well below average · higher than 18% of U.S. places

Recorded about 2 times a year in the area

Earthquakes

18% of expected damage

Well above average · higher than 81% of U.S. places

Heat waves

13% of expected damage

Above average · higher than 74% of U.S. places

Recorded about 9 times a year in the area

Tornadoes

10% of expected damage

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

Strong wind

6% of expected damage

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

Recorded about 6 times a year in the area

Lower here

HurricanesHailIce stormsWinter weatherWildfireLandslidesLightningDrought

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 Virden flood?

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

of all homes
are insured

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

Insurance rates: Macoupin County.

Disasters that hit Virden

Federal disasters declared here

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

Brought FEMA money into VirdenDeclared for Macoupin County only

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

Around Virden

Virden and the towns around it

Very lowLowModerateHighVery high

Auburnmostly inland floodingModerate

Girardmostly inland floodingModerate

Bois D'Arcmostly inland floodingModerate

North Ottermostly inland floodingModerate

Virdenmostly 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. Virden covers 1 census tract, combined by population.

Money that reached townFlood claims are matched to Virden’s own flood-insurance community; household aid to the registrant’s city; repair grants to the Township of Virden. 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 Virden total about $1.7M 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.