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Risk: Relatively Low

Moultrie County, IL Environment & Hazard Risk

Relatively Low natural hazard risk, led by drought. 274 storm events since 1996.

Expected yearly loss
$10.41M
Very Low nationally
Storm events since 1996
274
Most often thunderstorm wind
Flood insurance policies
35
0.6% of homes
Hurricanes nearby
0
2 tropical storms or stronger since 1902

Natural hazard risk

FEMA National Risk Index, December 2025

Overall risk

Relatively Low

Score 45.0 of 100

Social vulnerability

Very High

Score 81.2 of 100

Community resilience

Relatively High

Score 60.4 of 100

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

Building value exposed: $3.32B · Agriculture value exposed: $182M · Risk-adjusted yearly loss: $14.88M

Risk by hazard

  • DroughtRelatively Moderate$1.11M/yr expected annual loss, about 1.7 events a year
  • EarthquakeRelatively Low$844K/yr expected annual loss, about once every 320 years
  • Cold waveRelatively Moderate$1.53M/yr expected annual loss, about 2.6 events a year
  • HailRelatively Low$332K/yr expected annual loss, about 3.0 events a year
  • Strong windRelatively Moderate$535K/yr expected annual loss, about 4.9 events a year
  • Heat waveRelatively Low$357K/yr expected annual loss, about 7.3 events a year
  • Winter weatherRelatively Low$55.14K/yr expected annual loss, about 8.3 events a year
  • TornadoRelatively Low$790K/yr expected annual loss, about once every 3 years
  • LightningRelatively Low$145K/yr expected annual loss, about 48 events a year
  • LandslideVery Low$516/yr expected annual loss, about once every 12 years
  • HurricaneVery Low$13.66K/yr expected annual loss, about once every 49 years
  • Ice stormVery Low$18.13K/yr expected annual loss, about 1.3 events a year
  • WildfireVery Low$998/yr expected annual loss, about once every 29,483 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
35 of 6,158 (0.6%)
Homes in high-risk flood zones
155
Insured in high-risk zones
32 (21%)
Flood claims since 1978
20
Claims paid since 1978
$121K

Flood claims paid per year

Flood claims paid per year in Moultrie County
  • Mid-spring storms$0 · 2 claims

Storm history

Since 1996: 274 events, 1 death, $34.05M in damage

  • Thunderstorm Wind91
  • Hail50
  • Flash Flood24
  • Heavy Snow18 · 1 death
  • Winter Storm16
  • Tornado14
  • Drought12
  • High Wind10
  • Flood7
  • Heat7

Events per year

Storm events per year in Moultrie County
6
7
2
8
5
8
7
5
8
6
12
10
6
4
2
11
13
8
21
24

17 tornadoes on record (EF0 2, EF1 5, EF2 1, F0 3, F1 2, F2 2).

Most damaging storms

Since 1996, ranked by deaths, injuries and damage

  • Drought09/01/2012

    Moultrie

    $23M damage

    What happened

    Thanks to beneficial rainfall of 2 to 4 inches from the remnants of Hurricane Issac, Moultrie County was downgraded to the Moderate Drought category (D1) on September 20th. Total damage to the corn crop was estimated at $23.0 million.

  • Heavy Snow01/01/1999

    Moultrie

    1 death, 1 injured

    What happened

    A major winter storm paralyzed much of the region during the first few days of 1999. Snow began falling across portions of Central Illinois before noon on New Year's Day and continued to fall, moderate to heavy at times for most of the following 24-hour period. Locations near and south of Charleston/Mattoon saw periods of mixed precipitation, including freezing rain, while farther north snow was predominate. After the snowfall and precipitation diminished, winds increased from the northwest and temperatures dropped, causing dangerous wind chills and treacherous driving conditions with extensive blowing and drifting snow through the third day of the year. Total snow accumulations topped 6 inches mainly along and north of Interstate 70. Lesser amounts fell to the south, where more freezing precipitation was reported. The heaviest snow band in Central Illinois was found west and north of a line from Quincy to Virginia (Cass County) to Peoria to Bloomington to Champaign where reports of 14 or more inches of snow were common. The weight of the heavy snow and ice caused many roofs and porches to collapse, resulting in one death and an injury. An overhang attached to a garage at a...

  • Hail2" hail04/08/1998

    Bethany, Moultrie County

    $7M damage

    What happened

    A severe thunderstorm dropped large amounts of hail up to two inches in diameter over Moultrie County. Two police cars were damaged severely. In Bethany, many windows and windshields were smashed by the hail, as well as, considerable roof damage. No injuries were reported. Damage was estimated between 6 and 7 million dollars.

  • TornadoF2, 3 mi path, 40 yd wide04/08/1998

    Cadwell, Moultrie County

    4 injured, $100K damage

    What happened

    A tornado touched down 2 miles south of Cadwell and travelled to the northeast. In Moultrie County it either damaged or destroyed 9 homes, as well as, numerous barns, sheds, silos, and outbuildings. One double-wide mobile home was blown from its foundation. Four people were inside at the time. Three sustained minor injuries while one sustained serious injuries, including a broken back and leg after being thrown 200 yards by the tornado. Another home nearby was moved 3 feet off its foundation. When the tornado moved into Douglas County, it either damaged or destroyed 20 homes, 6 barns, and numerous other outbuildings. Also, 69 power poles were knocked down by the tornado in both counties. In Douglas County, 4 people sustained minor injuries, including one woman whose arm and collar bone were broken. The tornado lifted and dissipated just outside the town of Bourbon. In total, 8 people sustained injuries. In Moultrie County damage is estimated around $100,000. There is no damage estimate available for Douglas County.

  • Thunderstorm Wind78 kt wind07/19/2010

    Kirksville, Moultrie County

    $1.1M damage

    What happened

    Downburst winds caused significant damage across parts of Moultrie County from near Kirksville eastward through Sullivan. Crops and numerous large trees were damaged along this path just southwest and south of Sullivan. In the town of Sullivan itself, structural damage occurred to 4 buildings along the town square. The roof and facade of one building were blown onto the street below, crushing a car. The roof of a hotel on the south side of town was blown off...with pieces of it carried nearly 200 yards away.

  • TornadoEF1, 7.02 mi path, 440 yd wide11/17/2013

    Williamsburg, Moultrie County

    $860K damage

    What happened

    A tornado touched down in an open field about 3 miles NE of Lovington at 12:30 PM CST, then tracked northeastward and crossed into Douglas County about 5 miles north of Arthur at 12:37 PM CST. Major roof damage occurred to 8 homes, while 1 garage was destroyed and 17 outbuildings were severely damaged. Numerous trees and power poles were snapped.

Latest storm reports

Newest first

  • Thunderstorm Wind61 kt wind07/04/2026

    Lovington, Moultrie County

  • Thunderstorm Wind65 kt wind06/18/2026

    Lovington, Moultrie County

  • Hail2.5" hail06/18/2026

    Lovington, Moultrie County

  • Hail1.75" hail06/18/2026

    Ullrich, Moultrie County

  • Hail3" hail06/18/2026

    Fairbanks, Moultrie County

  • TornadoEF1, 2.97 mi path, 75 yd wide06/17/2026

    Bethany, Moultrie County

  • Thunderstorm Wind52 kt wind06/12/2026

    Sullivan, Moultrie County

  • Thunderstorm Wind61 kt wind06/12/2026

    Bethany, Moultrie County

Hurricanes and tropical storms

Storms whose track crossed Moultrie County, with the wind when it passed

Drinking water

6 community water systems serve about 12,582 people. Violations since 2021.

None of the systems serving this county had a health-based violation in this period.

  • SullivanServes 4,729 · Groundwater · Local governmentNo health violations+3 monitoring or reporting
  • Moultrie County RwdServes 2,600 · Purchased surface water · Local governmentNo health violations
  • ArthurServes 2,300 · Groundwater · Local governmentNo health violations
  • BethanyServes 1,475 · Groundwater · Local governmentNo health violations+1 monitoring or reporting
  • LovingtonServes 1,024 · Groundwater · Local governmentNo health violations
  • Dalton CityServes 454 · Purchased groundwater · Local governmentNo health violations+2 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.

Climate

1991-2020 normals at Sullivan 3s, 4.7 mi from the county center

Summer highs peak around 86°F in Jul and winter lows bottom out near 19°F in Jan. About 41.6 inches of rain falls in a typical year, with 12.9 inches of snow.

MonthHighLowRainSnow
Jan35°F19°F2.41 in5.2 in
Feb40°F22°F2.23 in2.4 in
Mar51°F31°F2.83 in1.0 in
Apr65°F42°F4.48 in0.2 in
May75°F53°F4.98 in-
Jun83°F63°F4.95 in-
Jul86°F65°F4.35 in-
Aug85°F62°F3.16 in-
Sep80°F55°F2.71 in-
Oct67°F44°F3.30 in-
Nov52°F33°F3.45 in0.4 in
Dec40°F25°F2.75 in3.7 in
Year53°F average41.6 in12.9 in

Pollution sites

0 Superfund sites and 3 toxic release facilities in Moultrie County

Superfund sites

None in this county.

Toxic release facilities

Total: 42,820 lbs in 2024, 42,794 lbs to air.

Superfund sitesToxic release facilitiesEPA inspections and enforcementAir toxics cancer risk1 historic places

Frequently asked questions

How risky is Moultrie County for natural disasters?
FEMA rates Moultrie County relatively low for overall natural hazard risk, with expected losses of $10.41M a year. The highest-rated hazards are drought (relatively moderate), earthquake (relatively low), cold wave (relatively moderate).
What storms are most common in Moultrie County?
Since 1996, NOAA recorded 274 storm events affecting Moultrie County, most often thunderstorm wind (91), hail (50), flash flood (24).
How many tornadoes have hit Moultrie County?
17 tornadoes have been recorded in Moultrie County since 1950.
How many homes in Moultrie County have flood insurance?
35 residential flood insurance policies are in force in Moultrie County, covering about 0.6% of homes. The program has paid $121K on 20 claims here since 1978.
What is the weather like in Moultrie County?
At Sullivan 3s, average highs reach 86°F in Jul and lows fall to 19°F in Jan, with 41.6 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.