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Natural hazards · Waterford

Waterford, IL natural hazards

Most of the natural-hazard damage FEMA expects in Waterford comes from inland flooding, and overall the risk is low for a U.S. community. 4 federal disasters brought FEMA money into town.

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

How exposed is Waterford?

32
Low
vs. U.S. communities

FEMA expects yearly storm and flood damage to homes and buildings in Waterford to be higher than in 32% of U.S. communities, mostly from inland flooding.

Inland flooding50%Tornadoes13%Cold waves9%Earthquakes8%Hail6%Everything else13%
By hazard

What Waterford faces

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

Inland flooding

50% of expected damage
Well below average · higher than 24% of U.S. places
Recorded about 2 times a year in the area

Tornadoes

13% of expected damage
Well above average · higher than 93% of U.S. places
Recorded about once every 7 years in the area

Cold waves

9% of expected damage
Above average · higher than 61% of U.S. places
Recorded about 5 times a year in the area

Earthquakes

8% of expected damage
Above average · higher than 74% of U.S. places

Hail

6% of expected damage
Well above average · higher than 90% of U.S. places
Recorded about 4 times a year in the area

Lower here

HurricanesIce stormsWinter weatherHeat wavesWildfireLandslidesStrong 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 Waterford flood?

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

of homes in flood zones
are insured
of all homes
are insured
No community discount. Waterford isn’t in FEMA’s Community Rating System, which cuts flood insurance up to 45% in towns that do extra flood-proofing.
Insurance rates: Fulton County.
Disasters that hit Waterford

4 federal disasters brought FEMA money here

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

Brought FEMA money into WaterfordDeclared for Fulton County only
2013

Severe Storms, Straight-Line Winds, and Flooding

$2K to the Township of Waterford for repairs
2006

Snow

$2K to the Township of Waterford for repairs
2002

Severe Storms, Tornadoes and Flooding

$11K to the Township of Waterford for repairs
1999

Il-Winter Storm 1/1/99

$2K to the Township of Waterford for repairs
Fulton County has had 18 natural disasters declared since 1953, most often floods and winter storms.
Around Waterford

Waterford and the towns around it

Isabel: Low, mostly inland floodingQuiver: Moderate, mostly inland floodingLewistown: Low, mostly inland floodingHavana: High, mostly inland floodingHavana: High, mostly inland floodingKerton: Low, mostly inland floodingPleasant: Low, mostly inland floodingLiverpool: Low, mostly inland floodingSpring Lake: High, mostly inland floodingForest City: Moderate, mostly inland floodingManito: Moderate, mostly inland floodingPutman: Low, mostly inland floodingBernadotte: Low, mostly inland floodingSherman: Moderate, mostly inland floodingBath: Very high, mostly inland floodingWaterford: Low, mostly inland flooding WaterfordIsabelQuiverLewistownHavanaHavana
Very lowLowModerateHighVery high
Havanamostly inland floodingHigh
Havanamostly inland floodingHigh
Quivermostly inland floodingModerate
Lewistownmostly inland floodingLow
Waterfordmostly inland floodingLow
Isabelmostly 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. Waterford 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 Waterford’s own flood-insurance community; household aid to the registrant’s city; repair grants to the Township of Waterford. 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.

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Boundary source: https://tigerweb.geo.census.gov/arcgis/rest/services/TIGERweb/Places_CouSub_ConCity_SubMCD/MapServer/15 · 2025-01-01
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