Champaign County, Illinois: hazard risk
FEMA rates Champaign County's overall risk Relatively Moderate (score 90.5 of 100, higher than 90% of rated U.S. counties); 5 of its 14 hazards are rated Relatively High or Very High, led by cold wave, drought, winter weather. Its storm record holds 1,042 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 |
|---|---|---|---|
| Cold Wave | Relatively High | 97.7 | $21M |
| Drought | Relatively High | 95.5 | $3.0M |
| Winter Weather | Relatively High | 95.4 | $774K |
| Tornado | Relatively High | 94.8 | $13M |
| Strong Wind | Relatively High | 84.4 | $1.7M |
| Hail | Relatively Moderate | 90.4 | $1.9M |
| Riverine Flooding | Relatively Moderate | 90.4 | $43M |
| Heat Wave | Relatively Moderate | 89.1 | $3.0M |
| Lightning | Relatively Moderate | 79.4 | $753K |
| Ice Storm | Relatively Moderate | 67.8 | $210K |
| Earthquake | Relatively Low | 89.5 | $5.3M |
| Hurricane | Very Low | 48.9 | $72K |
| Landslide | Very Low | 44.3 | $964 |
| Wildfire | Very Low | 16.2 | $6K |
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 | 475 | 0 | $11M | 55th of 102 | 1182nd of 3,080 |
| Hail | 239 | 0 | $6.7M | 44th of 102 | 1071st of 3,080 |
| Tornadoes | 83 | 2 | $407M | 23rd of 102 | 307th of 3,080 |
| Floods | 72 | 0 | $61M | 78th of 102 | 1355th of 3,080 |
| Winter storms | 64 | 7 | $66K | 94th of 102 | 2060th of 3,077 |
| High wind and dust storms | 54 | 0 | $115K | 41st of 102 | 1295th of 3,080 |
| Extreme cold | 14 | 3 | – | 78th of 102 | 1478th of 3,076 |
| Heat | 14 | 0 | – | 84th of 102 | 1210th of 3,076 |
| Drought | 13 | 0 | $93M | 83rd of 102 | 1873rd of 3,063 |
| Lightning | 12 | 0 | $832K | 14th of 102 | 598th of 3,080 |
| Wildfires | 1 | 0 | – | 18th of 102 | 1148th of 2,972 |
Source: NOAA NCEI Storm Events Database, 1950 to 2026-06-30; damage in 2025 dollars. Search the record at NCEI.
The full Champaign County record: every hazard by year and month, the deadliest events and FEMA's declarations.