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OnkenStoreDowntownChapinPhoto: User:Dailynetworks · Public domain
–Not graded
Natural hazards in Chapin · FEMA

Storms, floods and disasters in Chapin

Chapin isn’t graded for hazard risk: Chapin has 668 residents; we grade towns of 1,000 or more.

Flood claims
0
paid since 1978 · $0
Disasters paid out here
2
of 14 declared for Morgan County
By hazard

What Chapin faces

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

River and rain flooding

80%of expected building damage
Well above average · higher than 88% of U.S. census tracts
Recorded about once a year in the area

Earthquakes

7%of expected building damage
Above average · higher than 78% of U.S. census tracts

Tornadoes

6%of expected building damage
Well above average · higher than 81% of U.S. census tracts
Recorded about once every 11 years in the area
Smaller shares here
 Strong wind Hail Ice storms Winter storms Lightning Hurricanes Wildfire Cold waves Heat waves Landslides
FEMA models no building damage here
Coastal floodingAvalanchesTsunamisVolcanic activity
People, not buildings.Counting harm to people as well as buildings, FEMA’s model puts cold waves at 24% of Chapin’s expected losses. Cold waves do little damage to buildings (0.0%), so they aren’t part of the grade.

Shares are of FEMA’s expected building damage, the measure the grade uses; ranks compare each hazard’s building-damage rate with all 85,154 U.S. census tracts. In FEMA’s terms, river and rain flooding is FEMA’s “Inland Flooding” (rivers and streams overflowing their banks, or rain overwhelming drainage). FEMA defines coastal flooding as high or rising tides and storm surge, so surge damage is counted there. Drought isn’t listed: FEMA counts its losses in crops only.

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 Chapin flood? No paid flood claims on record

FEMA’s records show no paid flood insurance claims in Chapin. That’s not a promise: most homes don’t carry flood insurance, so small floods go unrecorded.

of homes in flood zones are insured
of all homes are insured
No community discount

Chapin isn’t in FEMA’s Community Rating System, which cuts flood insurance up to 45% in towns that do extra flood-proofing.

Insurance rates: Morgan County.
Disasters

2 federal disasters brought FEMA money to Chapin

Disasters that paid out in Chapin itself (aid to households or repair grants to the Village of Chapin), newest first, with that year’s flood claims.

  1. 2023Severe Storms and Flooding$25K to the Village of Chapin for repairs
  2. 1999Il-winter Storm 1/1/99$870 to the Village of Chapin for repairs
Disasters declared, by decade
Paid out in ChapinMorgan County only

Morgan County has had 14 natural disasters declared by the President since 1953, most often severe storms, then floods. Not counted: the 2005 Hurricane Katrina evacuee emergency, which covered counties that took in evacuees.

Were you here?

Old photos of Chapin after a storm or flood belong in the town’s history. Add one, or share what you remember below.

Add to the Chapin archive →
Be ready

Get ready for what Chapin faces

A short kit for the hazards that drive the building damage here, what to check before you buy, and where neighbors get alerts.

When the river rises
  • Turn around at flooded roads: a foot of moving water can carry off a car.
  • Flood insurance usually takes 30 days to start, so buy it before the forecast.
  • Keep papers and medicines up high, in a grab-and-go bag.
More from Ready.gov ↗
Earthquakes
  • Drop, cover and hold on.
  • Strap tall furniture and the water heater to the wall.
  • Know how to shut off the gas.
More from Ready.gov ↗
Tornado warnings
  • Pick your spot now: the lowest floor, an inside room, no windows.
  • A watch means be ready; a warning means take cover now.
  • Keep shoes and a flashlight by the bed.
More from Ready.gov ↗
Before you buy or rent
  • Look up the address on FEMA’s flood map.
  • Ask the seller or landlord whether it has ever flooded, and what flood insurance costs there.
  • Get a flood insurance quote early: policies usually start 30 days after you buy.
When a storm is coming
Forecast and alertsWeather →911, the nearest ERSafety →

Know where neighbors sign up for alerts? Add it to the Handbook so everyone has it.

Questions about natural hazards in Chapin

Is Chapin in a flood zone?

Flood zones are drawn street by street, so the answer depends on the address: look it up on FEMA’s flood map. In Morgan County, 12% of homes in mapped flood zones carry federal flood insurance, and 0.6% of all homes do.

How much is flood insurance in Chapin?

FEMA’s Community Rating System list shows no discount for Chapin’s flood program. Premiums depend on the building; policies usually start 30 days after you buy, so get a quote early.

What was the biggest storm in Chapin?

By FEMA money that reached Chapin, Severe Storms and Flooding (2023): $25K to the Village of Chapin for repairs.

Storm stories

Memories, warnings and help from neighbors in Chapin.

Town Square →
Start the conversation

Sources: FEMA National Risk Index v1.20 (December 2025), census-tract table, combined by where Chapin’s residents lived in the 2020 census; 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. Homes: Census ACS 2020–24. Preparedness tips: Ready.gov. FEMA’s model is an average of expected damage, not a forecast. How hazard risk is graded.