FEMA Records
21
Above median
Illinois · FEMA + NOAA + National Risk Index
Adams County, IL
21 FEMA disaster declarations (1965-2020), with a FEMA National Risk Index rating of Relatively Low. Most common hazard: Flood.
- 21
- FEMA declarations
- 17
- Major disasters
- 64
- NRI risk · Relatively Low
- Flood
- Top hazard
The verdict
Two federal records point in the busier direction for Adams County. Its 21 FEMA declarations are 63% above the Illinois county mean and exceed the count for 52% of the 3,266 counties in this registry. Separately, FEMA's National Risk Index places it in the riskiest 36%, based on modeled expected annual loss, social vulnerability, and community resilience.
- Riskiest 36%
- of U.S. counties for FEMA National Risk Index score
- Relatively Low
- FEMA National Risk Index rating
- 21
- FEMA declarations vs 21 national county avg
- 374
- NFIP flood insurance claims filed
FEMA's National Risk Index and its declaration registry are separate measures. This county's registry includes Major Disaster (DR) and Emergency (EM) records; an EM authorizes a narrower set of federal assistance than a DR.
How does Adams County compare?
Adams County vs. all counties in this dataset
FEMA disaster declarations, all-time
21 Top 48% higher than 52% of 3,266 counties
Each bar is a band; taller bars hold more counties. The dashed line + filled bar mark this entry. Hover or tap any bar for its full count, share, and where it sits relative to this entry.
Source FEMA Disaster Declarations Summaries v2 · 2026-08-03
Adams County's FEMA Risk Index score
FEMA National Risk Index composite score vs. the Illinois county average
Which hazard drives modeled loss here?
FEMA's modeled annual dollar loss for Adams County is led by Riverine Flooding (about $10.0M Expected Annual Loss, Historical Loss Ratio Relatively High), while Heat Wave carries the highest National Risk Index rating (Relatively Moderate). EAL and risk score use different inputs; they need not agree.
Source: FEMA National Risk Index (December 2025 release) - Expected Annual Loss vs composite risk rating by hazard.
What does Adams County's hazard record show?
Reading the federal records together
The NFIP claims register shows a middle-volume loss record here: 374 paid claims, totaling $13.7M. PlainHazard uses 50-499 claims for this descriptive band; FEMA does not publish it as a safety or coverage category. The $36.8K average describes payments on recorded claims only, leaving uninsured damage and properties without a claim outside the measure.
The declaration register points in the busier direction. Adams County's 21 federal records stand 63% above the Illinois county mean of 12.9. That comparison describes how often federal action was recorded, including any Major Disaster, Emergency, and Fire Management entries shown on this page; it does not convert the count into future probability.
FEMA National Risk Index
This county carries a high composite score on FEMA's National Risk Index, 64.2/100, rated Relatively Low. Its Expected Annual Loss rating is Relatively Low (roughly $25.9M in annualized losses), and a Relatively Low social-vulnerability profile combined with Very High community resilience shapes how much of that raw exposure becomes realized harm. Among the 18 modeled hazards, Heat Wave carries the county's highest rating, a mid-range Relatively Moderate. FEMA's modeled frequency puts that hazard at 8.4 modeled event-days per year here, based on 125 historical events on record.
Declaration frequency
The FEMA register is busy by both local and national comparisons. It contains 21 entries for Adams County, including 17 Major Disaster records, 63% above the Illinois county mean. Across the 55-year span, that works out to 0.4 declarations a year. Flood leads the file with 9 entries. Declaration type records the federal action taken, not every assistance program approved.
70 /100
Historical Activity Index
High historical activity
Adams County, IL · PlainHazard-derived composite from federal records
This 0–100 index is an explicit PlainHazard composite from FEMA declaration history only on the county surface (this DB has no county-level NOAA damage row) . It is not FEMA's National Risk Index, not a forecast, and not a safety, insurance, or preparedness rating. Open the calculator · Methodology
FEMA Declarations (1953–present) High
15/30
21 OpenFEMA declarations, full ingest window (1.0x national county average)
County Disaster Density Very High
20/25
21 declarations (1.6x state county average of 13)
Major Disaster Share Very High
20/25
17 of 21 declarations are major disasters (81%)
Hazard Diversity Very High
15/20
6 different disaster types declared in Adams County
Historical Declaration Activity
Activity Band
High
vs. Illinois Avg
+63%
State avg: 12.9
vs. National Avg
+1%
National avg: 20.7
Avg Per Year
0.4
Over 55 years
FEMA NRI 8-hazard radar - Adams County
How to read this radar
Each axis: NRI risk rating (Very Low-Very High) on a 0-100 scale. Rounder = broad exposure; spiky = one or two hazards dominate.
Major Disaster share
81%
Mostly major
NRI risk score
64
Relatively Low
Source: FEMA National Risk Index Per-county per-hazard ratings, December 2025 release
How often does each hazard strike Adams County?
FEMA's National Risk Index models a historical event count and an annualized frequency for each hazard type. Most hazards are expressed as modeled occurrences per year; FEMA expresses drought and heat-wave frequency as event-days per year. These modeled frequencies are not forecasts.
| Hazard | NRI Risk Rating | Recurrence |
|---|---|---|
| Heat Wave | Relatively Moderate | 8.4 modeled event-days per year |
| Strong Wind | Relatively High | an average of 4.2 times per year |
| Drought | Relatively Moderate | 4.2 modeled event-days per year |
| Cold Wave | Relatively Moderate | an average of 4.3 times per year |
| Hail | Relatively Moderate | an average of 3.4 times per year |
| Landslide | Relatively Low | roughly once every 2 years |
| Lightning | Relatively Moderate | an average of 47 times per year |
| Earthquake | Relatively Low | roughly once every 548 years |
| Winter Weather | Relatively Moderate | an average of 10 times per year |
| Riverine Flooding | Relatively Low | an average of 1.3 times per year |
| Tornado | Relatively Low | roughly once every 2 years |
| Ice Storm | Relatively Low | an average of 1.4 times per year |
| Hurricane | Very Low | roughly once every 100 years |
| Wildfire | Very Low | roughly once every 9,127 years |
Source: FEMA National Risk Index Modeled annualized frequency; drought and heat wave use event-days/year, December 2025 release
Disaster Types
Flood 9
Severe Storm 4
Snowstorm 3
Biological 2
Tornado 2
Hurricane 1
What Flood declarations mean here
Flood is the most frequent declaration type on Adams County's record, 43% of its declarations. Federal flood declarations cover two mechanisms that behave very differently: riverine flooding, which builds over days as a watershed drains and is usually forecast well in advance, and flash flooding, which can arrive in under an hour from rainfall that fell somewhere upstream.
Flood is also the one hazard class where a second federal dataset exists for the same events. The National Flood Insurance Program records what was actually paid on insured losses, so it measures a narrower thing than the declaration count: uninsured damage, and flooding outside mapped special flood hazard areas, never enters it. Reading the two together is more informative than either alone.
Declaration counts describe past federal action. They are a record of what was declared, not a forecast of future hazard probability.
Declaration Types
What DR / EM / FM mean
FEMA categorizes declarations as Major Disasters (DR), Emergencies (EM), or Fire Management Assistance (FM).
Major Disaster - 17 81.0%
of all 21 declarations
Emergency - 4 19.0%
of all 21 declarations
FEMA Declarations Timeline
| Year | Declarations | |
|---|---|---|
| 2020 | 2 | |
| 2019 | 1 | |
| 2013 | 1 | |
| 2011 | 1 | |
| 2010 | 1 | |
| 2008 | 1 | |
| 2007 | 1 | |
| 2005 | 1 | |
| 2003 | 1 | |
| 2002 | 1 | |
| 2001 | 1 | |
| 1999 | 1 | |
| 1996 | 1 | |
| 1993 | 1 | |
| 1987 | 1 | |
Show 5 earlier declaration years
| 1985 | 1 | |
| 1974 | 1 | |
| 1973 | 1 | |
| 1969 | 1 | |
| 1965 | 1 | |
Disaster Declarations
How the 21 FEMA declarations break into federal action codes (DR / EM / FM). Same DISTINCT grain as the table below.
Download these 21 declarations as CSV . FEMA source data is public domain; our derived presentation is CC0.
| DR# | Title | Type | Incident | Date |
|---|---|---|---|---|
| 4489 | COVID-19 PANDEMIC | DR | Biological | 2020-03-26 |
| 3435 | COVID-19 | EM | Biological | 2020-03-13 |
| 4461 | SEVERE STORMS AND FLOODING | DR | Flood | 2019-09-19 |
| 4116 | SEVERE STORMS, STRAIGHT-LINE WINDS, AND FLOODING | DR | Flood | 2013-05-10 |
| 1960 | SEVERE WINTER STORM AND SNOWSTORM | DR | Snowstorm | 2011-03-17 |
| 1935 | SEVERE STORMS AND FLOODING | DR | Severe Storm | 2010-08-19 |
| 1771 | SEVERE STORMS AND FLOODING | DR | Severe Storm | 2008-06-24 |
| 3269 | SNOW | EM | Snowstorm | 2006-12-29 |
| 3230 | HURRICANE KATRINA EVACUATION | EM | Hurricane | 2005-09-07 |
| 1469 | SEVERE STORMS, TORNADOES, AND FLOODING | DR | Severe Storm | 2003-05-15 |
| 1416 | SEVERE STORMS, TORNADOES AND FLOODING | DR | Tornado | 2002-05-21 |
| 1368 | FLOODING | DR | Flood | 2001-05-09 |
| 3134 | IL-WINTER STORM 1/1/99 | EM | Snowstorm | 1999-01-08 |
| 1112 | SEVERE STORMS AND FLOODING | DR | Severe Storm | 1996-05-06 |
| 997 | SEVERE STORMS & FLOODING | DR | Flood | 1993-07-09 |
| 776 | SEVERE STORMS & FLOODING | DR | Flood | 1986-10-07 |
| 735 | SEVERE STORMS & FLOODING | DR | Flood | 1985-03-29 |
| 438 | SEVERE STORMS & FLOODING | DR | Flood | 1974-06-10 |
| 373 | SEVERE STORMS & FLOODING | DR | Flood | 1973-04-26 |
| 262 | FLOODING | DR | Flood | 1969-06-06 |
Show 1 earlier declaration records
| DR# | Title | Type | Incident | Date |
|---|---|---|---|---|
| 194 | TORNADOES, SEVERE STORMS & FLOODING | DR | Tornado | 1965-04-25 |
Storm Events in Illinois
Statewide NOAA context only. PlainHazard does not currently attribute these state totals to Adams County.
| Storm Type | Events | Fatalities | Injuries | Property Damage |
|---|---|---|---|---|
| Thunderstorm Wind | 7,218 | 9 | 67 | $46.0M |
| Hail | 3,195 | 0 | 0 | $27.1M |
| Winter Weather | 1,363 | 14 | 49 | $1.8M |
| Flood | 1,221 | 14 | 11 | $84.3M |
| Flash Flood | 1,133 | 11 | 3 | $1.1B |
Source: NOAA Storm Events Database State-level aggregated data, 2015-2025
NFIP Flood Insurance Claims
Total Claims
374
Total Paid
$13.7M
Avg Per Claim
$36.8K
Source: FEMA National Flood Insurance Program (NFIP) OpenFEMA Claims Data
FEMA National Risk Index
Overall Risk
Relatively Low
Score: 64.2/100
Expected Annual Loss
Relatively Low
$25.9M/year
Social Vulnerability
Relatively Low
Community Resilience
Very High
Hazard Risk Breakdown
Heat Wave Relatively Moderate
Strong Wind Relatively High
Drought Relatively Moderate
Cold Wave Relatively Moderate
Hail Relatively Moderate
Landslide Relatively Low
Lightning Relatively Moderate
Earthquake Relatively Low
Winter Weather Relatively Moderate
Riverine Flooding Relatively Low
Tornado Relatively Low
Ice Storm Relatively Low
Hurricane Very Low
Wildfire Very Low
Source: FEMA National Risk Index (NRI) Ratings reflect relative scores among all US counties. Data: hazards.fema.gov/nri
The model's sharpest exposure here: Heat Wave
Heat Wave is measured in event-days per year rather than discrete events, and it is the hazard whose harm is most consistently undercounted: its toll is health and mortality, concentrated among people without cooling, rather than visible damage to property.
Worth noting for Adams County: the model and the federal record do NOT point at the same hazard. Heat Wave carries the highest modeled rating (Relatively Moderate), while the county's declaration history is led by Flood. That is not a contradiction, the two measure genuinely different things. Declarations record federal ACTION, which requires damage costly enough to exceed state and local capacity; the Risk Index models EXPECTED annual loss across all 18 hazards whether or not any declaration ever followed. A hazard can be the county's largest modeled exposure and never once have driven a declaration.
National Risk Index ratings are modeled estimates of expected annual loss, not predictions of what will happen in any given year.
Data-matched county comparisons
Adams County's closest FEMA peer: Douglas County, KS
Comparisons use published FEMA declaration fields plus the National Risk Index composite for Adams County. Record similarity, not a safety rating.
Closest declaration profiles
Adams County shows 21 FEMA declarations, led by Flood.
Similar Major-disaster share
Adams County: 17 of 21 of its declarations are Major.
Similar modeled NRI score
Adams County: NRI composite 64.2 (Relatively Low).
How these peers are chosen
Cohort: Published U.S. county equivalents outside the source state or territory. Each metric keeps six ETL candidates; three unique destinations are shown after de-duplicating across axes. Declaration-volume ranking combines count and Major-disaster share and prefers a different leading incident type; Major-share ranks the Major fraction adjusted for volume; NRI ranks the modeled composite score only.
Retained FEMA snapshot feed for Adams County - capture-dated entries only.
Further reading for this county
Understanding disaster data
Adams County's NFIP claims file (374 claims) and FEMA declaration history measure different federal records - this guide separates them from modeled NRI risk.
More PlainHazard guides
- Most disaster-prone counties - U.S. counties ranked by FEMA declaration totals.
- Understanding disaster data - declarations vs storm events vs NRI scores.
- Preparing for natural disasters - household checklist (not county-specific advice).
Related
Frequently Asked Questions
What is the most common disaster type in Adams County?
The most common disaster type in Adams County is Flood, with 9 declarations. Other disaster types include Severe Storm (4), Snowstorm (3), Biological (2).
How does Adams County's FEMA declaration record compare with the Illinois average?
FEMA lists 21 declaration records for Adams County. That is 63% above the Illinois county mean of 12.9. Its count is also 1% above the national county mean of 20.7. A larger declaration history records more federal actions; it is not a forecast of the county's next hazard.
How many major FEMA disaster declarations has Adams County received?
Adams County has received 17 major disaster declarations, representing 81% of all 21 disaster declarations.
How many flood insurance claims has Adams County filed?
Adams County has 374 National Flood Insurance Program (NFIP) claims totaling $13.7M in payments, with an average of $36.8K per claim.
Does FEMA's top risk-rated hazard match the highest Expected Annual Loss in Adams County?
No. In Adams County, Heat Wave has the highest National Risk Index rating (Relatively Moderate), while Riverine Flooding leads Expected Annual Loss at about $10.0M. FEMA's risk score and dollar-loss model use different inputs, so the leaders often differ.
What was the worst year for disasters in Adams County?
The most active year for disaster declarations in Adams County was 2020, with 2 declarations. The county has FEMA disaster data spanning 1965 to 2020.
What is the FEMA National Risk Index score for Adams County?
According to the FEMA National Risk Index, Adams County, Illinois has an overall risk score of 64.2 out of 100 (Relatively Low). Social vulnerability here rates Relatively Low, while community resilience comes in at Very High. The Expected Annual Loss (EAL) score is Relatively Low, representing $25.9M in annualized losses.
Which natural hazard poses the greatest risk to Adams County?
Based on FEMA NRI data, the highest-risk natural hazard in Adams County is Heat Wave (risk rating: Relatively Moderate). Other significant hazards include Strong Wind (Relatively High) and Drought (Relatively Moderate). FEMA's modeled event frequency puts heat wave here at 8.4 modeled event-days per year, drawn from 125 historical events on record. FEMA derives these ratings from historical event frequency, the assets exposed, and the community's vulnerability profile.
Data Sources & Methodology
Disaster declaration data comes from the FEMA OpenFEMA Disaster Declarations Summaries v2 API, which includes all federally declared disasters, emergencies, and fire management assistance grants.
Storm event data is sourced from the NOAA Storm Events Database (2015-2025), which tracks significant weather events including thunderstorms, tornadoes, floods, and winter storms.
Flood insurance data comes from the FEMA National Flood Insurance Program (NFIP) OpenFEMA claims dataset.
This data is provided for informational purposes only. FEMA disaster declarations represent federal response actions and may not capture all local emergencies or weather events.
What this means for Adams County
Adams County, IL has 21 federal declaration records, 63% more than the Illinois county mean of 13; its history sits in PlainHazard's high activity band.
- Within this above-state-average declaration file, major disaster leads with 17 of 21 records; the category describes past federal action, not the next likely hazard. Illinois overview
- The state benchmark and national rank point the same way: this count tops the Illinois mean and the totals for 52% of 3,266 U.S. counties. Most-disaster rankings
- Use the data guide to separate this mid-volume insurance-claims file from declaration counts and modeled NRI risk. Disaster-data guide
An above-average declaration count records past federal responses; it does not predict the next event. Current warnings come from the National Weather Service and local emergency officials.
PlainHazard derives this profile from FEMA's Disaster Declarations Summaries and National Risk Index data. The declaration comparison covers 3,266 U.S. counties and county equivalents in this database, refreshed as of 2026-08-03. Read our methodology - how this data is sourced, computed, and verified.
All federal data sources used on this page
- FEMA OpenFEMA, Disaster Declarations Summaries v2 - all federally-declared disasters for this county. fema.gov/openfema/disaster-declarations
- FEMA National Risk Index (NRI) - per-county per-hazard risk ratings and expected annual loss. hazards.fema.gov/nri
- NOAA NCEI Storm Events Database - state-level storm/severe-weather event records, 2015-2025. ncdc.noaa.gov/stormevents
Data sourced from official public datasets. See our methodology for details. Retrieved and formatted by PlainHazard Editorial
Verify with FEMA → · Verify with FEMA NRI → · Verify with NOAA →
Every figure on PlainHazard is rendered directly from FEMA federal disaster data, no number is typed in by an editor. See our editorial standards & corrections policy, the methodology behind these numbers, or national statistics report, the data & editorial changelog, or report a data error.