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Risk: Relatively Low

Fulton County, IL Environment & Hazard Risk

Relatively Low natural hazard risk, led by hail. 651 storm events since 1996.

Expected yearly loss
$21.2M
Relatively Low nationally
Storm events since 1996
651
Most often thunderstorm wind
Flood insurance policies
25
0.2% of homes
Hurricanes nearby
0
Since 1851

Natural hazard risk

FEMA National Risk Index, December 2025

Overall risk

Relatively Low

Score 59.0 of 100

Social vulnerability

Relatively Low

Score 35.9 of 100

Community resilience

Relatively High

Score 77.6 of 100

Community resilience runs the other way: a higher rating means a community can recover faster.

Building value exposed: $13.4B · Agriculture value exposed: $284M · Risk-adjusted yearly loss: $21.5M

Risk by hazard

  • HailRelatively Moderate$1.5M/yr expected annual loss, about 3.8 events a year
  • LandslideRelatively Low$17.6K/yr expected annual loss, about once every 2 years
  • EarthquakeRelatively Low$1.5M/yr expected annual loss, about once every 557 years
  • Cold waveRelatively Moderate$3.1M/yr expected annual loss, about 5.2 events a year
  • Heat waveRelatively Low$1.3M/yr expected annual loss, about 6.9 events a year
  • Strong windRelatively Moderate$1.2M/yr expected annual loss, about 5.5 events a year
  • TornadoRelatively Moderate$3.1M/yr expected annual loss, about once every 1 year
  • Ice stormRelatively Moderate$278K/yr expected annual loss, about 1.3 events a year
  • DroughtRelatively Moderate$420K/yr expected annual loss, about 6.0 events a year
  • Winter weatherRelatively Low$69.3K/yr expected annual loss, about 10 events a year
  • LightningRelatively Low$186K/yr expected annual loss, about 47 events a year
  • HurricaneVery Low$8,593/yr expected annual loss, about once every 100 years
  • WildfireVery Low$1,632/yr expected annual loss, about once every 19,246 years

Bars show the national percentile score (0 to 100) for each hazard. Dollar figures are expected annual losses to buildings, people and crops. Not rated here: avalanche, coastal flooding, riverine flooding, tsunami, volcanic activity.

Flood risk and insurance

National Flood Insurance Program and FEMA flood maps

Check the flood zone for an address

Homes with flood insurance
25 of 14,092 (0.2%)
Homes in high-risk flood zones
161
Insured in high-risk zones
19 (12%)
Flood claims since 1978
369
Claims paid since 1978
$2.8M

Flood claims paid per year

Flood claims paid per year in Fulton County
Beta
  • Flooding$527K · 100 claims
  • Mid-spring storms$482K · 16 claims
  • Midwest Flooding$202K · 19 claims

Storm history

Since 1996: 651 events, 4 deaths, $35.5M in damage

  • Thunderstorm Wind244
  • Hail186
  • Flash Flood51
  • Tornado29
  • Heavy Snow26
  • Flood20 · 2 deaths
  • Winter Storm20
  • Drought13
  • Winter Weather10 · 1 death
  • High Wind10
Beta

Events per year

Storm events per year in Fulton County
10
37
30
41
25
11
17
18
17
11
20
8
27
14
17
11
66
43
21
18
Beta

50 tornadoes on record (EF0 6, EF1 5, EF3 1, F0 14, F1 12, F2 4, F3 3, F4 1).

Most damaging storms

Since 1996, ranked by deaths, injuries and damage

  • Flood05/16/2009

    Avon, Fulton County

    1 death, $4M damage

    What happened

    Periods of heavy rain between May 13 and May 16 resulted in near record river levels on much of the Spoon River. The gage at London Mills, IL recorded its third highest crest on record at 25.28 feet at 1445 CST on May 16th, which was more than 10 feet above flood stage. This was the highest crest since the major floods of July 1993. The gage at Seville, IL also recorded its third highest stage on record at 30.84 feet at 1430 CST on May 17th, which was nearly 9 feet above flood stage. This was the highest crest in 35 years. Sandbagging efforts at London Mills and Seville prevented property damage. A levee was breached about 2.6 miles west-northwest of the town of Blyton, IL. The breach was about 500 feet across at the levee, with the cone of damage consisting of tree debris and field erosion about 1/2 mile out and 1/2 mile across at the widest point. Two smaller levees also breached about two miles downstream. These breaches and the associated flooding closed a large partion of Illinois Route 9 and caused significant inundation of agricultural land. There was one fatality due to the flooding. A 45 year old man drove around a barricade into the floodwaters of the Spoon River...

  • Flash Flood04/18/2013

    Brereton, Fulton County

    $12.2M damage

    What happened

    Torrential rainfall of 4.00 to 8.00 inches resulted in damage to nearly 2000 houses in the county. Several homes had to be evacuated in the town of London Mills. Every creek and stream in the county was flooded, which damaged a few levees and culverts. Nearly every road in the county was impassable, and numerous water rescues were made. This rainfall lead to record or near record flooding on the Spoon River from April 18th through the 24th.

  • Winter Weather01/12/2012

    Fulton

    1 death, 2 injured

    What happened

    Three to five inches of snow fell across Fulton County, resulting in numerous traffic accidents. One man was killed when his pickup truck slid off County Road 2 near Ellisville during the morning of January 12th. At least two other people were injured in other traffic accidents across the county.

  • Blizzard02/01/2011

    Fulton

    1 death, $200K damage

    What happened

    Weather observers across Fulton County measured 15 to 20 inches of snow. Thundersnow was reported from 1800 to 1900 LST on 2/1/11. 45 to 55 mph winds accompanied the snow, reducing the visibility to near zero. As a result of the blizzard conditions, travel became nearly impossible across the area. In addition, an 80-year old Cuba man suffering from dementia died on February 2nd when he wandered outside of his home into the snow.

  • Flood05/16/2009

    Avon, Fulton County

    1 death

    What happened

    Periods of heavy rain on saturated soil resulted in extensive flooding in northern Fulton county, particularly in the vicinity of the upper Spoon River basin. Nearly every road was under water and impassible. A 46 year old woman died when she drove her car around a barricade and was swept into the Spoon River just north of the Fulton/Knox County line. She drowned in Fulton County around Midnight and was found in the Spoon River near London Mills.

  • TornadoEF3, 19.92 mi path, 600 yd wide04/05/2023

    Ipava, Fulton County

    4 injured

    What happened

    A tornado touched down about 1 mile south of Ipava at 7:11 PM CDT. It tracked east-northeastward causing EF-1 level damage near the intersection of East Square Road and North Summum Road where several farm buildings and a home sustained damage. The tornado then curved northeastward and crossed the Spoon River Bottoms. Damage began increasing about 1.5 miles west of Lewistown near County Highway 14 where several houses and outbuildings were damaged along North Milton Road. The tornado increased in intensity, producing EF-3 damage just northwest of Lewistown where it crumpled a metal high tension transmission tower. It crossed State Highway 97 just northwest of the intersection with State Highway 100 and damaged numerous homes and farm buildings along State Highway 100 between North Grain Bin Highway and East Epworth Spring Road. The tornado blew down several power poles from this point northeastward to the southwest edge of Bryant. Much of the tornado damage within the town of Bryant was west of State Highway 100 between Ash Street and Elm Street...with damage east of State Highway 100 being caused by rear-flank downdraft winds of 70 to 100 mph. EF-3 tornado damage was...

Drinking water

18 community water systems serve about 32,232 people. Violations since 2021.

3 systems had health-based violations, such as a contaminant over the legal limit or a missed treatment step.

  • CantonServes 16,748 · Groundwater (surface influenced) · Local governmentNo health violations+5 monitoring or reporting
  • Il American-FarmingtonServes 2,448 · Groundwater · Local governmentNo health violations
  • LewistownServes 2,400 · Groundwater · Local government1 health violation
  • South Fulton Water DistrictServes 1,430 · Purchased groundwater · Local governmentNo health violations+1 monitoring or reporting
  • AstoriaServes 1,375 · Groundwater · Local governmentNo health violations+1 monitoring or reporting
  • CubaServes 1,232 · Purchased groundwater · Local governmentNo health violations+2 monitoring or reporting
  • AvonServes 920 · Groundwater · Local governmentNo health violations+1 monitoring or reporting
  • Wee-Ma-Tuk Water DistrictServes 863 · Purchased groundwater · Local governmentNo health violations+1 monitoring or reporting

Largest systems by population served. Monitoring and reporting violations mean required tests or notices were late or missing, not that the water was unsafe.

Pollution sites

0 Superfund sites and 1 toxic release facility in Fulton County

Superfund sites

None in this county.

Toxic release facilities

Total: 2,078 lbs in 2024, 2,078 lbs to air.

Superfund sitesToxic release facilitiesEPA inspections and enforcementAir toxics cancer risk31 historic places

Frequently asked questions

How risky is Fulton County for natural disasters?
FEMA rates Fulton County relatively low for overall natural hazard risk, with expected losses of $21.2M a year. The highest-rated hazards are hail (relatively moderate), landslide (relatively low), earthquake (relatively low).
What storms are most common in Fulton County?
Since 1996, NOAA recorded 651 storm events affecting Fulton County, most often thunderstorm wind (244), hail (186), flash flood (51).
How many tornadoes have hit Fulton County?
50 tornadoes have been recorded in Fulton County since 1950, including 5 rated F3/EF3 or stronger.
How many homes in Fulton County have flood insurance?
25 residential flood insurance policies are in force in Fulton County, covering about 0.2% of homes. The program has paid $2.8M on 369 claims here since 1978.
What is the weather like in Fulton County?
At Havana, average highs reach 88°F in Jul and lows fall to 16°F in Jan, with 41.0 inches of rain a year (1991-2020 normals).

Source: FEMA (National Risk Index, NFIP), NOAA (Storm Events, HURDAT2, Climate Normals), EPA · Last updated 08/01/2026 · Storm counts include events in forecast zones that touch the county. This product uses the FEMA OpenFEMA API, but is not endorsed by FEMA.

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