Adams County, Illinois: hazard risk
FEMA rates Adams County's overall risk Relatively Low (score 64.2 of 100, higher than 64% of rated U.S. counties); 1 of its 14 hazards are rated Relatively High or Very High, led by strong wind. Its storm record holds 641 events since 1950.
FEMA's rating for each hazard
These are FEMA's county-wide model ratings and this county's storm record. They are not an assessment of any property, address or building, and not insurance advice: a property's risk depends on its own elevation, construction and location.
FEMA gives each hazard its own rating, and a rating does not follow the score from one hazard to the next: a hazard with a higher score can carry a lower rating than another. The table sorts by FEMA's rating, then by score (0 to 100, the county against every other county for that hazard).
| Hazard | Risk rating | Score | Expected annual loss |
|---|---|---|---|
| Strong Wind | Relatively High | 90.1 | $2.2M |
| Heat Wave | Relatively Moderate | 91.2 | $3.6M |
| Drought | Relatively Moderate | 84.1 | $1.3M |
| Cold Wave | Relatively Moderate | 81.7 | $4.4M |
| Hail | Relatively Moderate | 78.1 | $857K |
| Lightning | Relatively Moderate | 76.2 | $679K |
| Winter Weather | Relatively Moderate | 62.5 | $107K |
| Landslide | Relatively Low | 78.1 | $14K |
| Earthquake | Relatively Low | 64.6 | $645K |
| Riverine Flooding | Relatively Low | 60.7 | $10M |
| Tornado | Relatively Low | 58.8 | $1.8M |
| Ice Storm | Relatively Low | 53.5 | $107K |
| Hurricane | Very Low | 23.9 | $9K |
| Wildfire | Very Low | 5.2 | $2K |
Source: FEMA National Risk Index, December 2025 release. A model of future loss, not a count of past events. FEMA's National Risk Index map.
What the record holds
| Hazard | Records | Deaths | Damage | Rank in state | Rank in U.S. |
|---|---|---|---|---|---|
| Severe thunderstorm wind | 252 | 0 | $358K | 65th of 102 | 1338th of 3,080 |
| Hail | 191 | 0 | $35K | 36th of 102 | 943rd of 3,080 |
| Winter storms | 56 | 0 | – | 91st of 102 | 2042nd of 3,077 |
| Heat | 43 | 1 | – | 39th of 102 | 526th of 3,076 |
| Floods | 37 | 0 | $948K | 90th of 102 | 1672nd of 3,080 |
| Tornadoes | 36 | 0 | $22M | 86th of 102 | 1351st of 3,080 |
| High wind and dust storms | 9 | 0 | $1K | 96th of 102 | 2311th of 3,080 |
| Extreme cold | 7 | 0 | – | 93rd of 102 | 1952nd of 3,076 |
| Drought | 6 | 0 | – | 95th of 102 | 2115th of 3,063 |
| Lightning | 3 | 0 | $45K | 55th of 102 | 1512th of 3,080 |
| Heavy rain | 1 | 0 | – | 66th of 102 | 2169th of 3,080 |
Source: NOAA NCEI Storm Events Database, 1950 to 2026-06-30; damage in 2025 dollars. Search the record at NCEI.
The full Adams County record: every hazard by year and month, the deadliest events and FEMA's declarations.