Natural hazards · Whitmore

Whitmore, IL natural hazards

Most of the natural-hazard damage FEMA expects in Whitmore 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 Whitmore?

Low

vs. U.S. communities

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

Inland flooding43%Cold waves15%Tornadoes13%Earthquakes10%Heat waves6%Everything else14%

By hazard

What Whitmore faces

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

Inland flooding

43% of expected damage

Below average · higher than 41% of U.S. places

Recorded about once a year in the area

Cold waves

15% of expected damage

Above average · higher than 56% of U.S. places

Recorded about 3 times a year in the area

Tornadoes

13% of expected damage

Well above average · higher than 88% of U.S. places

Recorded about once every 14 years in the area

Earthquakes

10% of expected damage

Well above average · higher than 76% of U.S. places

Heat waves

6% of expected damage

Below average · higher than 39% of U.S. places

Recorded about 7 times a year in the area

Lower here

HurricanesHailIce stormsWinter weatherWildfireLandslidesStrong 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 Whitmore flood?

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

of homes in flood zones
are insured

of all homes
are insured

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

Insurance rates: Macon County.

Disasters that hit Whitmore

Federal disasters declared here

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

Brought FEMA money into WhitmoreDeclared for Macon County only

Macon County has had 9 natural disasters declared since 1953, most often severe storms and tornadoes.

Around Whitmore

Whitmore and the towns around it

Very lowLowModerateHighVery high

Decaturmostly inland floodingModerate

Hickory Pointmostly inland floodingModerate

Friends Creekmostly inland floodingModerate

Whitmoremostly inland floodingLow

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