Illinois natural disaster risk
Ratings for all 102 counties, the federal disaster record and flood insurance across the state.
58major disasters since 1953 (22th most)
$6.4Bexpected losses a year
0.5%of homes with flood insurance
Illinois has had 58 major federal disaster declarations for natural events since 1953. FEMA expects about $6.4 billion a year in losses from natural hazards across the state. Inland flooding is the costliest hazard in 81 of its 102 counties, followed by earthquake in 17. 1 is rated Very High overall. About 0.5% of homes carry federal flood insurance, and the program has paid $583 million on 51,163 claims here since 1978.
1counties
5counties
14counties
45counties
Top hazards
Inland floodingtop risk in 81 counties
Earthquaketop risk in 17 counties
Cold wavetop risk in 4 counties
Largest counties
Cook County
5,272,775 people
Inland floodingDuPage County
932,368 people
Inland floodingLake County
713,483 people
Inland floodingWill County
696,135 people
Inland floodingKane County
516,173 people
Inland floodingMcHenry County
310,151 people
Inland floodingWinnebago County
285,162 people
Inland floodingMadison County
265,727 people
Inland floodingSt. Clair County
257,200 people
Inland floodingChampaign County
205,823 people
Inland floodingSangamon County
196,182 people
Inland floodingPeoria County
181,691 people
Inland floodingAll 102 counties
| Name | People | Overall risk | Top hazard | Declarations | Homes insured |
|---|---|---|---|---|---|
| Adams County | 65,679 | Inland flooding | 19 | 0.3% | |
| Alexander County | 5,231 | Earthquake | 15 | 3.5% | |
| Bond County | 16,725 | Inland flooding | 5 | 0.1% | |
| Boone County | 53,397 | Inland flooding | 9 | 0.3% | |
| Brown County | 6,230 | Cold wave | 14 | 0.2% | |
| Bureau County | 33,213 | Inland flooding | 15 | 0.4% | |
| Calhoun County | 4,437 | Inland flooding | 23 | 3.1% | |
| Carroll County | 15,692 | Inland flooding | 14 | 0.1% | |
| Cass County | 13,037 | Cold wave | 19 | 2.5% | |
| Champaign County | 205,823 | Inland flooding | 10 | 0.3% | |
| Christian County | 33,996 | Inland flooding | 6 | 0.1% | |
| Clark County | 15,435 | Inland flooding | 8 | 0.1% | |
| Clay County | 13,270 | Inland flooding | 3 | 0.1% | |
| Clinton County | 36,801 | Inland flooding | 5 | 0.2% | |
| Coles County | 46,818 | Inland flooding | 7 | 0.3% | |
| Cook County | 5,272,775 | Inland flooding | 22 | 0.5% | |
| Crawford County | 18,678 | Inland flooding | 7 | 0.2% | |
| Cumberland County | 10,425 | Inland flooding | 7 | 0% | |
| De Witt County | 15,516 | Inland flooding | 9 | 0.4% | |
| DeKalb County | 100,385 | Inland flooding | 10 | 0.5% | |
| Douglas County | 19,718 | Inland flooding | 11 | 1.2% | |
| DuPage County | 932,368 | Inland flooding | 14 | 0.6% | |
| Edgar County | 16,856 | Inland flooding | 7 | 0.1% | |
| Edwards County | 6,245 | Inland flooding | 5 | 0% | |
| Effingham County | 34,654 | Inland flooding | 5 | 0.1% | |
| Fayette County | 21,487 | Inland flooding | 6 | 0% | |
| Ford County | 13,516 | Inland flooding | 6 | 0.1% | |
| Franklin County | 37,777 | Earthquake | 8 | 0.3% | |
| Fulton County | 33,569 | Inland flooding | 18 | 0.2% | |
| Gallatin County | 4,943 | Inland flooding | 9 | 0.8% | |
| Greene County | 11,985 | Inland flooding | 17 | 0.2% | |
| Grundy County | 52,475 | Inland flooding | 13 | 0.8% | |
| Hamilton County | 7,953 | Earthquake | 8 | 0% | |
| Hancock County | 17,592 | Inland flooding | 17 | 0.7% | |
| Hardin County | 3,643 | Inland flooding | 6 | 0.2% | |
| Henderson County | 6,382 | Inland flooding | 14 | 2.1% | |
| Henry County | 49,270 | Inland flooding | 14 | 0.4% | |
| Iroquois County | 27,072 | Inland flooding | 7 | 2% | |
| Jackson County | 52,912 | Earthquake | 13 | 0.6% | |
| Jasper County | 9,278 | Inland flooding | 7 | 0.1% | |
| Jefferson County | 37,082 | Earthquake | 3 | 0.2% | |
| Jersey County | 21,501 | Inland flooding | 18 | 0.9% | |
| Jo Daviess County | 22,021 | Inland flooding | 14 | 0.3% | |
| Johnson County | 13,301 | Earthquake | 5 | 0.1% | |
| Kane County | 516,173 | Inland flooding | 14 | 0.4% | |
| Kankakee County | 107,359 | Inland flooding | 5 | 0.8% | |
| Kendall County | 131,852 | Inland flooding | 11 | 0.2% | |
| Knox County | 49,886 | Inland flooding | 9 | 0.1% | |
| Lake County | 713,483 | Inland flooding | 15 | 0.8% | |
| LaSalle County | 109,558 | Inland flooding | 18 | 0.5% | |
| Lawrence County | 15,271 | Inland flooding | 7 | 0.2% | |
| Lee County | 34,125 | Inland flooding | 8 | 0.6% | |
| Livingston County | 35,797 | Inland flooding | 9 | 1.2% | |
| Logan County | 27,961 | Inland flooding | 10 | 0.4% | |
| Macon County | 103,930 | Inland flooding | 9 | 0.2% | |
| Macoupin County | 44,940 | Inland flooding | 7 | 0.1% | |
| Madison County | 265,727 | Inland flooding | 14 | 0.8% | |
| Marion County | 37,690 | Earthquake | 6 | 0.1% | |
| Marshall County | 11,735 | Inland flooding | 12 | 0.4% | |
| Mason County | 13,071 | Inland flooding | 16 | 0.6% | |
| Massac County | 14,128 | Earthquake | 10 | 2.1% | |
| McDonough County | 27,238 | Inland flooding | 9 | 0.1% | |
| McHenry County | 310,151 | Inland flooding | 14 | 0.7% | |
| McLean County | 170,926 | Inland flooding | 9 | 0.2% | |
| Menard County | 12,284 | Inland flooding | 10 | 0.2% | |
| Mercer County | 15,683 | Inland flooding | 13 | 0.2% | |
| Monroe County | 34,896 | Inland flooding | 18 | 0.9% | |
| Montgomery County | 28,277 | Inland flooding | 5 | 0% | |
| Morgan County | 32,911 | Cold wave | 15 | 0.6% | |
| Moultrie County | 14,522 | Inland flooding | 8 | 0.6% | |
| Ogle County | 51,743 | Inland flooding | 12 | 0.8% | |
| Peoria County | 181,691 | Inland flooding | 13 | 0.4% | |
| Perry County | 20,924 | Earthquake | 5 | 0.1% | |
| Piatt County | 16,660 | Inland flooding | 7 | 0.4% | |
| Pike County | 14,724 | Inland flooding | 23 | 1.2% | |
| Pope County | 3,760 | Inland flooding | 10 | 0% | |
| Pulaski County | 5,180 | Earthquake | 12 | 1.3% | |
| Putnam County | 5,637 | Inland flooding | 9 | 0.3% | |
| Randolph County | 30,151 | Earthquake | 15 | 1.2% | |
| Richland County | 15,809 | Inland flooding | 6 | 0.1% | |
| Rock Island County | 144,591 | Inland flooding | 13 | 1.3% | |
| Saline County | 23,693 | Earthquake | 7 | 0.8% | |
| Sangamon County | 196,182 | Inland flooding | 10 | 0.2% | |
| Schuyler County | 6,902 | Cold wave | 16 | 0.3% | |
| Scott County | 4,937 | Inland flooding | 16 | 0.8% | |
| Shelby County | 20,974 | Inland flooding | 8 | 0% | |
| St. Clair County | 257,200 | Inland flooding | 17 | 1% | |
| Stark County | 5,400 | Inland flooding | 6 | 0.2% | |
| Stephenson County | 44,602 | Inland flooding | 12 | 0.3% | |
| Tazewell County | 131,288 | Inland flooding | 13 | 0.2% | |
| Union County | 17,217 | Earthquake | 13 | 0.9% | |
| Vermilion County | 74,163 | Inland flooding | 10 | 0.1% | |
| Wabash County | 11,347 | Earthquake | 8 | 0.2% | |
| Warren County | 16,835 | Inland flooding | 7 | 0.4% | |
| Washington County | 13,755 | Earthquake | 7 | 0.1% | |
| Wayne County | 16,161 | Inland flooding | 6 | 0.2% | |
| White County | 13,871 | Earthquake | 8 | 0.8% | |
| Whiteside County | 55,637 | Inland flooding | 12 | 0.7% | |
| Will County | 696,135 | Inland flooding | 17 | 0.5% | |
| Williamson County | 67,101 | Earthquake | 7 | 0.5% | |
| Winnebago County | 285,162 | Inland flooding | 17 | 0.6% | |
| Woodford County | 38,455 | Inland flooding | 12 | 0.6% |
Linked names have a full page. Overall risk from the FEMA National Risk Index (December 2025); declarations are federal disaster and emergency declarations for natural events since 1953 (OpenFEMA); homes insured is the share with NFIP flood policies.