FEMA Records
16
Below median
Illinois · FEMA + NOAA + National Risk Index
Kane County, IL
16 FEMA disaster declarations (1967-2020), with a FEMA National Risk Index rating of Relatively High. Most common hazard: Flood.
- 16
- FEMA declarations
- 11
- Major disasters
- 95
- NRI risk · Relatively High
- Flood
- Top hazard
The verdict
Two federal records point in the busier direction for Kane County. Its 16 FEMA declarations are 24% above the Illinois county mean and exceed the count for 27% of the 3,266 counties in this registry. Separately, FEMA's National Risk Index places it in the riskiest 5%, based on modeled expected annual loss, social vulnerability, and community resilience.
- Riskiest 5%
- of U.S. counties for FEMA National Risk Index score
- Relatively High
- FEMA National Risk Index rating
- 16
- FEMA declarations vs 21 national county avg
- 928
- 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 Kane County compare?
Kane County vs. all counties in this dataset
FEMA disaster declarations, all-time
16 27th percentile higher than 27% 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
Kane 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 Kane County is led by Riverine Flooding (about $99.0M Expected Annual Loss, Historical Loss Ratio Relatively High), while Cold Wave carries the highest National Risk Index rating (Very High). 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 Kane County's hazard record show?
Reading the federal records together
FEMA's NFIP table contains a substantial paid-claim history for this county: 928 claims and $11.4M in payments. PlainHazard labels 500 or more claims a heavy registry record; that is a reporting bucket, not an official FEMA risk grade. The average paid claim was $12.3K. NFIP totals exclude uninsured flood losses and do not measure how many properties currently carry a policy.
The declaration register points in the busier direction. Kane County's 16 federal records stand 24% 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 sits among the highest-risk counties nationally on FEMA's National Risk Index, a composite score of 94.6/100 (Relatively High). Expected Annual Loss is rated Relatively High (roughly $198.1M in annualized losses). Social vulnerability reads Very Low and community resilience Relatively High, both critical modifiers of realized harm here. Of the 18 hazards FEMA models, Cold Wave stands out as the sharpest exposure here, rated Very High. FEMA's modeled frequency puts that hazard at an average of 5.9 times per year here, based on 111 historical events on record.
Declaration frequency
The FEMA register is busy by both local and national comparisons. It contains 16 entries for Kane County, including 11 Major Disaster records, 24% above the Illinois county mean. Across the 53-year span, that works out to 0.3 declarations a year. Flood leads the file with 4 entries. Declaration type records the federal action taken, not every assistance program approved.
60 /100
Historical Activity Index
High historical activity
Kane 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) Moderate
12/30
16 OpenFEMA declarations, full ingest window (0.8x national county average)
County Disaster Density High
16/25
16 declarations (1.2x state county average of 13)
Major Disaster Share High
17/25
11 of 16 declarations are major disasters (69%)
Hazard Diversity Very High
15/20
6 different disaster types declared in Kane County
Historical Declaration Activity
Activity Band
High
vs. Illinois Avg
+24%
State avg: 12.9
vs. National Avg
-23%
National avg: 20.7
Avg Per Year
0.3
Over 53 years
FEMA NRI 8-hazard radar - Kane 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
69%
Major-heavy
NRI risk score
95
Relatively High
Source: FEMA National Risk Index Per-county per-hazard ratings, December 2025 release
How often does each hazard strike Kane 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 |
|---|---|---|
| Cold Wave | Very High | an average of 5.9 times per year |
| Tornado | Relatively High | roughly once every 2 years |
| Riverine Flooding | Relatively High | an average of 1.8 times per year |
| Heat Wave | Relatively Moderate | 3.2 modeled event-days per year |
| Lightning | Relatively High | an average of 42 times per year |
| Earthquake | Relatively Low | roughly once every 737 years |
| Winter Weather | Relatively Moderate | an average of 14 times per year |
| Strong Wind | Relatively Moderate | an average of 6.7 times per year |
| Drought | Relatively Moderate | 8 modeled event-days per year |
| Ice Storm | Relatively Moderate | roughly once every 2 years |
| Hail | Relatively Low | an average of 4.7 times per year |
| Landslide | Very Low | roughly once every 11 years |
| Wildfire | Very Low | roughly once every 12,916 years |
| Hurricane | Very Low | roughly once every 100 years |
Source: FEMA National Risk Index Modeled annualized frequency; drought and heat wave use event-days/year, December 2025 release
Disaster Types
Flood 4
Snowstorm 4
Severe Storm 3
Biological 2
Tornado 2
Hurricane 1
What Flood declarations mean here
Flood is the most frequent declaration type on Kane County's record, 25% 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 - 11 68.8%
of all 16 declarations
Emergency - 5 31.3%
of all 16 declarations
FEMA Declarations Timeline
| Year | Declarations | |
|---|---|---|
| 2020 | 2 | |
| 2013 | 1 | |
| 2011 | 1 | |
| 2009 | 1 | |
| 2007 | 1 | |
| 2005 | 1 | |
| 2001 | 1 | |
| 1999 | 1 | |
| 1996 | 1 | |
| 1990 | 1 | |
| 1987 | 1 | |
| 1979 | 1 | |
| 1974 | 1 | |
| 1973 | 1 | |
| 1967 | 1 | |
Disaster Declarations
How the 16 FEMA declarations break into federal action codes (DR / EM / FM). Same DISTINCT grain as the table below.
Download these 16 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 |
| 4116 | SEVERE STORMS, STRAIGHT-LINE WINDS, AND FLOODING | DR | Flood | 2013-05-10 |
| 1960 | SEVERE WINTER STORM AND SNOWSTORM | DR | Snowstorm | 2011-03-17 |
| 1800 | SEVERE STORMS AND FLOODING | DR | Severe Storm | 2008-10-03 |
| 1729 | SEVERE STORMS AND FLOODING | DR | Severe Storm | 2007-09-25 |
| 3230 | HURRICANE KATRINA EVACUATION | EM | Hurricane | 2005-09-07 |
| 3161 | ILLINOIS WINTER SNOW STORMS | EM | Snowstorm | 2001-01-17 |
| 3134 | IL-WINTER STORM 1/1/99 | EM | Snowstorm | 1999-01-08 |
| 1129 | SEVERE STORMS AND FLOODING | DR | Severe Storm | 1996-07-25 |
| 878 | TORNADOES | DR | Tornado | 1990-08-29 |
| 776 | SEVERE STORMS & FLOODING | DR | Flood | 1986-10-07 |
| 3068 | BLIZZARDS & SNOWSTORMS | EM | Snowstorm | 1979-01-16 |
| 438 | SEVERE STORMS & FLOODING | DR | Flood | 1974-06-10 |
| 373 | SEVERE STORMS & FLOODING | DR | Flood | 1973-04-26 |
| 227 | TORNADOES | DR | Tornado | 1967-04-25 |
Storm Events in Illinois
Statewide NOAA context only. PlainHazard does not currently attribute these state totals to Kane 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
928
Total Paid
$11.4M
Avg Per Claim
$12.3K
Source: FEMA National Flood Insurance Program (NFIP) OpenFEMA Claims Data
FEMA National Risk Index
Overall Risk
Relatively High
Score: 94.6/100
Expected Annual Loss
Relatively High
$198.1M/year
Social Vulnerability
Very Low
Community Resilience
Relatively High
Hazard Risk Breakdown
Cold Wave Very High
Tornado Relatively High
Riverine Flooding Relatively High
Heat Wave Relatively Moderate
Lightning Relatively High
Earthquake Relatively Low
Winter Weather Relatively Moderate
Strong Wind Relatively Moderate
Drought Relatively Moderate
Ice Storm Relatively Moderate
Hail Relatively Low
Landslide Very Low
Wildfire Very Low
Hurricane 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: Cold Wave
Cold Wave measures exposure to extreme cold rather than to snow. Its harm is concentrated in health effects, burst infrastructure and energy demand spikes, and it falls hardest where the building stock and the grid were not built with sustained cold in mind.
Worth noting for Kane County: the model and the federal record do NOT point at the same hazard. Cold Wave carries the highest modeled rating (Very High), 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
Kane County's closest FEMA peer: Ramsey County, MN
Comparisons use published FEMA declaration fields plus the National Risk Index composite for Kane County. Record similarity, not a safety rating.
Similar modeled NRI score
Kane County: NRI composite 94.6 (Relatively High).
Similar Major-disaster share
Kane County: 11 of 16 of its declarations are Major.
Closest declaration profiles
Kane County shows 16 FEMA declarations, led by Flood.
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 Kane County - capture-dated entries only.
Further reading for this county
Understanding disaster data
Kane County's NFIP claims file (928 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 Kane County?
The most common disaster type in Kane County is Flood, with 4 declarations. Other disaster types include Snowstorm (4), Severe Storm (3), Biological (2).
How does Kane County's FEMA declaration record compare with the Illinois average?
FEMA lists 16 declaration records for Kane County. That is 24% above the Illinois county mean of 12.9. Its count is also 23% below 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 Kane County received?
Kane County has received 11 major disaster declarations, representing 69% of all 16 disaster declarations.
How many flood insurance claims has Kane County filed?
Kane County has 928 National Flood Insurance Program (NFIP) claims totaling $11.4M in payments, with an average of $12.3K per claim.
Does FEMA's top risk-rated hazard match the highest Expected Annual Loss in Kane County?
No. In Kane County, Cold Wave has the highest National Risk Index rating (Very High), while Riverine Flooding leads Expected Annual Loss at about $99.0M. FEMA's risk score and dollar-loss model use different inputs, so the leaders often differ.
What was the worst year for disasters in Kane County?
The most active year for disaster declarations in Kane County was 2020, with 2 declarations. The county has FEMA disaster data spanning 1967 to 2020.
What is the FEMA National Risk Index score for Kane County?
According to the FEMA National Risk Index, Kane County, Illinois has an overall risk score of 94.6 out of 100 (Relatively High). On social vulnerability the county rates Very Low; on community resilience, Relatively High. The Expected Annual Loss (EAL) score is Relatively High, representing $198.1M in annualized losses.
Which natural hazard poses the greatest risk to Kane County?
FEMA's NRI data points to Kane County is Cold Wave (risk rating: Very High). Other significant hazards include Tornado (Relatively High) and Riverine Flooding (Relatively High). FEMA's modeled event frequency puts cold wave here at an average of 5.9 times per year, drawn from 111 historical events on record. These scores are based on FEMA's analysis of historical event frequency, exposed assets, and community vulnerability.
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 Kane County
Kane County, IL has 16 federal declaration records, 24% 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 11 of 16 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 27% of 3,266 U.S. counties. Most-disaster rankings
- The large NFIP claims file and FEMA declaration history measure different federal records; the guide explains where they overlap and where they do not. 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.