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BHazard risk
Natural hazards in Kincaid · FEMA

On FEMA’s figures, Kincaid faces about as much hazard damage per building as the typical U.S. town, mostly from river and rain flooding

On FEMA’s National Risk Index, Kincaid gets a B for hazard risk: lower expected damage per building than 58% of U.S. towns. Most of that expected damage is river and rain flooding (61%), then earthquakes (19%). Flood insurance has paid 5 claims here since 2002.

River and rain flooding 61%Earthquakes 19%Tornadoes 11%

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

less than 58%of U.S. townsLess damageMoreExpected yearly damage per dollar of building, vs. the 21,298 U.S. towns we grade
Hazard risk
B
in Illinois · lower than 58% of U.S. towns
Main hazard
River and rain flooding
61% of expected building damage
Flood claims
5
paid since 2002 · $169K
Disasters paid out here
2
of 5 declared for Christian County
By hazard

What Kincaid 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

61%of expected building damage
About average · lower than 60% of U.S. census tracts
Recorded about 2 times a year in the area

Earthquakes

19%of expected building damage
Well above average · higher than 80% of U.S. census tracts

Tornadoes

11%of expected building damage
Well above average · higher than 80% of U.S. census tracts
Recorded about once every 10 years in the area
Smaller shares here
 Hail Strong wind Ice storms Winter storms Hurricanes Wildfire Lightning 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 Kincaid’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.
Hazard risk grade

What’s behind Kincaid’s grade

River and rain flooding is 61% of the building damage FEMA expects in Kincaid, and Kincaid’s rate of river and rain flooding damage is lower than 60% of U.S. census tracts. Next is earthquakes at 19% (higher than 80% of U.S. census tracts).

Where Kincaid sits
Kincaid
Least damageMiddleMost damage

B lower expected damage per building than 58% of U.S. towns (21,298).

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

What drives the damage to buildings
River and rain flooding61%Earthquakes19%Tornadoes11%Everything else8%

In dollars, FEMA expects about $841K a year in losses across Kincaid: $385K to buildings, the rest to people and crops.

Shared tract.All of Kincaid’s 1,349 residents (2020 census) live in one census tract, which it shares with Tovey village (464 residents) and Langleyville CDP (391 residents) and Bulpitt village (212 residents) and Jeisyville village (102 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 Kincaid flood? Rarely: 5 flood claims since 2002

Every paid claim on a federal flood insurance policy in Kincaid, from FEMA’s records: 7.5 per 1,000 homes, more than 69% of the 13,809 U.S. towns with a flood insurance record.

Paid flood claims, by year
2002: 2 claims2003: 0 claims2004: 0 claims2005: 0 claims2006: 0 claims2007: 0 claims2008: 0 claims2009: 0 claims2010: 0 claims2011: 0 claims2012: 0 claims2013: 0 claims2014: 0 claims2015: 3 claims2016: 0 claims2017: 0 claims2018: 0 claims2019: 0 claims2020: 0 claims2021: 0 claims2022: 0 claims2023: 0 claims2024: 0 claims2025: 0 claims2026: 0 claims20022015
20022026
Biggest named events
  • The Early winter storms3 claims · $165K
5
paid claims since 2002
$169K
paid to owners
0
homes flooded more than once
$34K
average claim
of homes in flood zones are insured
of all homes are insured
No community discount

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

Insurance rates: Christian County.
Disasters

2 federal disasters brought FEMA money to Kincaid

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

  1. 2006Severe Winter Storm$66K to the Village of Kincaid for repairs
  2. 1999Il-winter Storm 1/1/99$2K to the Village of Kincaid for repairs
Disasters declared, by decade
Paid out in KincaidChristian County only

Christian County has had 5 natural disasters declared by the President since 1953, most often winter storms, then severe storms. Not counted: the 2005 Hurricane Katrina evacuee emergency, which covered counties that took in evacuees.

Were you here?

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

Add to the Kincaid archive →
Next door

Kincaid and its neighbors

Kincaid has the lowest expected damage per building of the 1 graded towns here. Tap a town to see its hazards.

Jeisyville: not gradedBulpitt: not gradedJeisyvilleBulpittKincaid
Lowest fifthSecondMiddleFourthHighest fifth
TownHazard riskMostly (buildings)Flood claims
KincaidBless damage than 58%river and rain flooding5
Jeisyville—90 residents; we grade 1,000+
Bulpitt—185 residents; we grade 1,000+

Hazard risk = FEMA’s expected yearly building damage per dollar of building value, vs. the 21,298 U.S. towns we grade; the map is shaded by fifths of the same scale. Flood claims = paid federal flood insurance claims on record.

Be ready

Get ready for what Kincaid 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 Kincaid

Is Kincaid at risk for natural disasters?

On FEMA’s National Risk Index, Kincaid has lower expected damage per building than 58% of U.S. towns: B for hazard risk. Most of the expected damage is river and rain flooding (61%) and earthquakes (19%). 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.

Does Kincaid flood?

Flood insurance has paid 5 claims in Kincaid since 2002, $169K in all, or 7.5 per 1,000 homes, more than 69% of U.S. towns with a flood insurance record. The most claims came from Early winter storms (3).

Is Kincaid 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 Christian County, 11% of homes in mapped flood zones carry federal flood insurance, and 0.1% of all homes do.

How much is flood insurance in Kincaid?

FEMA’s Community Rating System list shows no discount for Kincaid’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 Kincaid?

By FEMA money that reached Kincaid, Severe Winter Storm (2006): $66K to the Village of Kincaid for repairs. By flood claims, Early winter storms: 3 paid, $165K.

Is Kincaid at risk from river and rain flooding?

It is the largest share of the building damage FEMA expects here (61%), and Kincaid’s rate for it is lower than 60% of U.S. census tracts.

Storm stories

Memories, warnings and help from neighbors in Kincaid.

Town Square →
Start the conversation

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