Natural hazards · Zuma

Zuma, IL natural hazards

Most of the natural-hazard damage FEMA expects in Zuma comes from inland flooding, and overall the risk is very high for a U.S. community. Flood insurance has paid 15 claims here since 1997.

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

Expected damage

How exposed is Zuma?

Very high

vs. U.S. communities

FEMA expects yearly storm and flood damage to homes and buildings in Zuma to be higher than in 83% of U.S. communities, mostly from inland flooding.

Inland flooding58%Cold waves15%Tornadoes9%Heat waves5%Everything else13%

By hazard

What Zuma faces

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

Inland flooding

58% of expected damage

Well above average · higher than 95% of U.S. places

Recorded about 3 times a year in the area

Cold waves

15% of expected damage

Above average · higher than 52% of U.S. places

Recorded about 6 times a year in the area

Tornadoes

9% of expected damage

Well above average · higher than 79% of U.S. places

Recorded about once every 31 years in the area

Heat waves

5% 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 weatherWildfireEarthquakesLandslidesStrong 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 Zuma flood?

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

15paid claims since 1997

$120Kpaid to owners

0homes flooded more than once

19972026

Biggest named events

Mid-spring storms: 1 claim, $469

of homes in flood zones
are insured

of all homes
are insured

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

Insurance rates: Rock Island County.

Disasters that hit Zuma

Federal disasters declared here

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

Brought FEMA money into ZumaDeclared for Rock Island County only

Rock Island County has had 13 natural disasters declared since 1953, most often floods and winter storms.

Around Zuma

Zuma and the towns around it

Very lowLowModerateHighVery high

Zumamostly inland floodingVery high

Canoe Creekmostly inland floodingVery high

Joslinmostly inland floodingVery high

Coemostly inland floodingHigh

Hannamostly inland floodingModerate

Hamptonmostly inland floodingModerate

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. Zuma covers 1 census tract, combined by population.

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