Natural hazards · Wethersfield

Wethersfield, IL natural hazards

Most of the natural-hazard damage FEMA expects in Wethersfield comes from inland flooding, and overall the risk is low for a U.S. community. Flood insurance has paid 6 claims here since 1981.

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

Expected damage

How exposed is Wethersfield?

Low

vs. U.S. communities

FEMA expects yearly storm and flood damage to homes and buildings in Wethersfield to be higher than in 27% of U.S. communities, mostly from inland flooding and strong winds.

Inland flooding27%Strong wind21%Tornadoes17%Cold waves9%Drought6%Heat waves6%Everything else13%

By hazard

What Wethersfield 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

Well below average · higher than 14% 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

17% of expected damage

Well above average · higher than 82% of U.S. places

Recorded about once every 31 years in the area

Cold waves

9% of expected damage

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

Recorded about 5 times a year in the area

Drought

6% of expected damage

Recorded about 9 times a year in the area

Heat waves

6% of expected damage

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

Recorded about 7 times a year 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 Wethersfield flood?

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

6paid claims since 1981

$15Kpaid to owners

0homes flooded more than once

19812026

Biggest named events

Hurricane Ike: 1 claim, $3K
Mid-spring storms: 1 claim, $3K

of homes in flood zones
are insured

of all homes
are insured

No community discount. Wethersfield 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 Wethersfield

Federal disasters declared here

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

Brought FEMA money into WethersfieldDeclared for Henry County only

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

Around Wethersfield

Wethersfield and the towns around it

Very lowLowModerateHighVery high

Goshenmostly inland floodingModerate

Elmiramostly inland floodingModerate

Wethersfieldmostly inland floodingLow

Galvamostly inland floodingLow

Kewaneemostly 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. Wethersfield covers 1 census tract, combined by population.

Money that reached townFlood claims are matched to Wethersfield’s own flood-insurance community (here, the census tracts inside it); household aid to the registrant’s city; repair grants to the Township of Wethersfield. 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 Wethersfield total about $1.4M 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.