Natural hazards · Western

Western, IL natural hazards

Most of the natural-hazard damage FEMA expects in Western comes from inland flooding, and overall the risk is moderate for a U.S. community. Flood insurance has paid 1 claim here since 2015.

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

Expected damage

How exposed is Western?

Moderate

vs. U.S. communities

FEMA expects yearly storm and flood damage to homes and buildings in Western to be higher than in 45% of U.S. communities, mostly from inland flooding and strong winds.

Inland flooding36%Strong wind21%Tornadoes14%Cold waves8%Drought7%Everything else14%

By hazard

What Western faces

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

Inland flooding

36% of expected damage

Below average · higher than 44% of U.S. places

Recorded about 2 times a year in the area

Strong wind

21% of expected damage

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

Recorded about 6 times a year in the area

Tornadoes

14% of expected damage

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

Recorded about once every 16 years in the area

Cold waves

8% of expected damage

Well below average · higher than 17% of U.S. places

Recorded about 5 times a year in the area

Drought

7% of expected damage

Recorded about 9 times a year in the area

Lower here

HurricanesHailIce stormsWinter weatherHeat wavesWildfireEarthquakesLandslidesLightning

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 Western flood?

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

1paid claims since 2015

$22Kpaid to owners

0homes flooded more than once

20152026

of homes in flood zones
are insured

of all homes
are insured

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

Insurance rates: Henry County.

Disasters that hit Western

Federal disasters declared here

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

Brought FEMA money into WesternDeclared for Henry County only

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

Around Western

Western and the towns around it

Very lowLowModerateHighVery high

Colonamostly inland floodingHigh

Westernmostly inland floodingModerate

Lynnmostly inland floodingModerate

Ruralmostly inland floodingModerate

Oscomostly 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. Western covers 1 census tract, combined by population.

Money that reached townFlood claims are matched to Western’s own flood-insurance community (here, the census tracts inside it); household aid to the registrant’s city; repair grants to the Township of Western. 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 Western total about $2.2M 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.