Cumberland County, Illinois · Toledo
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Pipes freeze in Cumberland County on about 28 nights a year, mostly November to March. Older homes, 38% of the stock here, are most at risk.
Heavy rain days of an inch or more come about 10.2 times a year here, most often in July. A sump pump that hasn't run since last season is a common weak point.
Backups often follow heavy rain, which Cumberland County gets about 10.2 days a year, when storm water overloads sewer mains and pushes up through the lowest drain in the house.
Roof leaks here come from summer downpours and, with about 79 freeze-thaw days a year, from winter ice dams. Most show up as ceiling stains in the room below.
37% of occupied homes in Cumberland County heat mainly with wood or propane, above the Illinois county median of 16.5%.
With 57 muggy nights a year, mold in Cumberland County can appear within days of a leak. Dry first, then clean.
Local risk profile
About 10,334 people live in Cumberland County, 346 square miles in eastern Illinois, in roughly 4,726 homes. Toledo is the county seat; Greenup, Neoga and Jewett are the next largest communities. The county's median home was built in 1970.
51/100 Water Damage Risk Index: Elevated Cumberland County ranks 44 of 102 Illinois counties. See the statewide ranking and method.The three factors where Cumberland County ranks highest compared with other Illinois counties.
For frozen pipes, Cumberland County is a typical Illinois county, which is still plenty. It averaged 99 freezing nights a year over 2015–2024, 28 of them at 20°F or colder, cold enough for pipes in outside walls and crawl spaces to freeze. Among 102 Illinois counties that's 67th.
On February 24, 2015 the low fell to about -10°F, and in the stretch ending January 2018 the county went 14 days in a row below freezing. Leaks from split pipes typically appear the day the thaw arrives.
Expect the hardest freezes in January, inside a season that runs November to March. That's when an outdoor spigot left connected to a hose, or a pipe in a crawl space, is most likely to split.
On average the first fall freeze arrives around Oct 25 and the last spring freeze around Apr 15.
Heavy rain is a bigger factor here than in most of Illinois. The county gets about 45 inches of rain and melted snow a year, with 10.2 days of an inch or more (30th of 102). Those downpours cluster in April, June and July, when sump pumps and gutters are tested hardest. The wettest day on record brought 3.18 inches on June 11, 2018. Multi-day storms matter most for basements; the wettest three days on record here totaled 6.49 inches (through June 12, 2018).
About 79 days a year swing from below freezing at night to above freezing by day. Those freeze-thaw cycles feed ice dams on roofs, open cracks in foundations and driveways, and stress pipes that are already marginal.
Housing
Illinois's 102 counties range widely in housing age; Cumberland ranks 63rd, with 63% of its homes built before 1980.
Housing age is mixed: 38% of homes are pre-1960 and 16% are 2000 or newer. Ask any plumber which era your house is from and you'll know which failures to watch for.
Manufactured and mobile homes make up 10% of the housing here. Water lines in the underbelly depend on intact skirting and working heat tape, and they're usually the first to freeze in a cold snap.
Beyond water
Cumberland County averages 57 warm, muggy nights a year (lows of 65°F or more) and gets the most rain in July. Keep indoor humidity under 60%, as the EPA advises, and dry any leak within 24 to 48 hours; in a humid month a wet basement left alone won't dry by itself.
Mold remediation: what to expectHeating fuel matters for fire risk. In Cumberland County it's 39% utility gas, 23% electric, 31% propane and 7% wood. Wood and propane heat are more common here than the state median. Have chimneys swept and fuel-burning appliances serviced each fall, and keep three feet clear around stoves and space heaters.
Fire and smoke cleanup: first stepsCoverage
Calls connect to restoration companies that work across Cumberland County. The largest communities by population:
Population from ACS 2020-2024 5-year estimates. Townships and unincorporated areas are covered too.
Nearby
Clark, Coles and Shelby get more pipe-freeze nights than Cumberland. Shelby County has the oldest housing nearby, with 67% of homes built before 1980.
By the numbers
| Factor | Cumberland | Illinois median | Rank |
|---|---|---|---|
| Homes built before 1960 | 38% | 38% | 53 of 102 |
| Homes built before 1980 | 63% | 66% | 63 of 102 |
| Homes built 2000 or later | 16% | 15% | 36 of 102 |
| Manufactured or mobile homes | 10% | 5.6% | 31 of 102 |
| Vacant homes | 12% | 11% | 41 of 102 |
| Wood or propane heat | 37% | 17% | 5 of 102 |
| Nights at 20°F or colder | 28/yr | 35/yr | 67 of 102 |
| Days with 1 inch+ of rain | 10/yr | 8.4/yr | 30 of 102 |
| Freeze-thaw days | 79/yr | 81/yr | 58 of 102 |
| Muggy nights (65°F+) | 57/yr | 51/yr | 41 of 102 |
Rank 1 is the highest value. Bars run from the lowest to the highest Illinois county; the tick marks the median; orange means higher water damage risk than the median, green means lower.
Questions
Peak risk months in Cumberland County: freezing from November to March, heavy rain in April, June and July.
Sources: U.S. Census Bureau, ACS 2024 5-year estimates (2020-2024); weather from NOAA nClimGrid-Daily county averages (EpiNOAA), 2015–2024, averaged across the county; county boundaries from Census TIGER. Reviewed 2026-10-21. Methodology