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CHazard risk
Natural hazards in Ina · FEMA

FEMA expects more hazard damage per building in Ina than in 75% of U.S. towns, led by earthquakes

On FEMA’s National Risk Index, Ina gets a C for hazard risk: higher expected damage per building than 75% of U.S. towns. Most of that expected damage is earthquakes (50%), then river and rain flooding (34%). FEMA’s files show no paid flood insurance claims here.

Earthquakes 50%River and rain flooding 34%Tornadoes 7%

Graded on FEMA’s expected yearly building damage per dollar of building value (NRI v1.20, December 2025), weighted by where residents live; flood claims are shown, not graded. How hazard risk is graded

more than 75%of U.S. townsLess damageMoreExpected yearly damage per dollar of building, vs. the 21,298 U.S. towns we grade
Hazard risk
C
in Illinois · higher than 75% of U.S. towns
Main hazard
Earthquakes
50% of expected building damage
Flood claims
0
paid since 1978 · $0
Disasters paid out here
0
of 2 declared for Jefferson County
By hazard

What Ina faces

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

Earthquakes

50%of expected building damage
Well above average · higher than 89% of U.S. census tracts

River and rain flooding

34%of expected building damage
Below average · lower than 72% of U.S. census tracts
Recorded about 2 times a year in the area

Tornadoes

7%of expected building damage
Above average · higher than 75% of U.S. census tracts
Recorded about once every 10 years in the area

Strong wind

5%of expected building damage
Well above average · in the top 4% of U.S. census tracts
Recorded about 4 times a year in the area
Smaller shares here
 Hail Winter storms top 2% Ice storms Hurricanes Lightning Wildfire Cold waves Heat waves Landslides
FEMA models no building damage here
Coastal floodingAvalanchesTsunamisVolcanic activity

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.
Hazard risk grade

What’s behind Ina’s grade

Earthquakes are 50% of the building damage FEMA expects in Ina, and Ina’s rate of earthquakes damage is higher than 89% of U.S. census tracts. Strong wind adds 5%, at a rate in the top 4% of U.S. census tracts.

Where Ina sits
Ina
Least damageMiddleMost damage

C higher expected damage per building than 75% of U.S. towns (21,298).

All of Ina’s residents live in one census tract; the figures are that tract’s.

What drives the damage to buildings
Earthquakes50%River and rain flooding34%Tornadoes7%Everything else9%

In dollars, FEMA expects about $1.6M a year in losses across Ina: $876K to buildings, the rest to people and crops.

Shared tract.All of Ina’s 1,641 residents (2020 census) live in one census tract, which it shares with Spring Garden township (2,586 residents) and Bonnie village (374 residents) and Moores Prairie township (372 residents) and Belle Rive village (309 residents) and Opdyke CDP (236 residents). FEMA publishes its model by tract, so the rate and the hazard mix are the tract’s, the same for all of them. The flood claims below are the town’s own.
A shared figure. The grade describes the whole tract, not each street in it, and FEMA’s model is an average year for today’s buildings, not a record: the claims below are the record.

How TownRatings grades hazard risk →

Flood insurance claims

Does Ina flood? No paid flood claims on record

FEMA’s records show no paid flood insurance claims in Ina. 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

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

Insurance rates: Jefferson County.
Disasters

The storms Ina remembers

None of the 2 disasters declared for Jefferson County shows FEMA aid or repair money reaching Ina itself in FEMA’s records, so these are its biggest flood-claim years.

Disasters declared, by decade
Paid out in InaJefferson County only

Jefferson County has had 2 natural disasters declared by the President since 1953, most often severe storms. Not counted: the 2005 Hurricane Katrina evacuee emergency, which covered counties that took in evacuees.

Be ready

Get ready for what Ina faces

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

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 ↗
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 ↗
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 ↗
High winds
  • Trim dead limbs over the house and driveway.
  • Tie down trash cans and outdoor furniture.
  • Stay clear of downed lines and call the utility.
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 Ina

Is Ina at risk for natural disasters?

On FEMA’s National Risk Index, Ina has higher expected damage per building than 75% of U.S. towns: C for hazard risk. Most of the expected damage is earthquakes (50%) and river and rain flooding (34%). The figures are for the one census tract the town shares with its neighbors. This is FEMA’s model of an average year for today’s buildings, not a forecast.

Is Ina 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 Jefferson County, 13% of homes in mapped flood zones carry federal flood insurance, and 0.2% of all homes do.

How much is flood insurance in Ina?

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

Is Ina at risk from earthquakes?

It is the largest share of the building damage FEMA expects here (50%), and Ina’s rate for it is higher than 89% of U.S. census tracts.

Storm stories

Memories, warnings and help from neighbors in Ina.

Town Square →
Start the conversation

Sources: FEMA National Risk Index v1.20 (December 2025), census-tract table, combined by where Ina’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.