Coles County, Illinois: hazard risk
FEMA rates Coles County's overall risk Relatively Low (score 70.4 of 100, higher than 70% of rated U.S. counties). Its storm record holds 542 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 |
|---|---|---|---|
| Drought | Relatively Moderate | 89.2 | $1.7M |
| Winter Weather | Relatively Moderate | 79.0 | $210K |
| Cold Wave | Relatively Moderate | 74.9 | $2.8M |
| Riverine Flooding | Relatively Moderate | 74.5 | $17M |
| Tornado | Relatively Moderate | 72.1 | $2.9M |
| Strong Wind | Relatively Moderate | 56.2 | $695K |
| Earthquake | Relatively Low | 87.3 | $3.7M |
| Heat Wave | Relatively Low | 70.7 | $1.0M |
| Hail | Relatively Low | 69.9 | $587K |
| Landslide | Relatively Low | 66.6 | $5K |
| Ice Storm | Relatively Low | 44.4 | $70K |
| Lightning | Relatively Low | 44.2 | $203K |
| Hurricane | Very Low | 38.9 | $30K |
| Wildfire | Very Low | 9.5 | $3K |
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 | 215 | 0 | $3.7M | 27th of 102 | 772nd of 3,080 |
| Hail | 125 | 0 | – | 28th of 102 | 757th of 3,080 |
| Floods | 56 | 2 | $8.0M | 34th of 102 | 754th of 3,080 |
| Winter storms | 43 | 4 | $787K | 76th of 102 | 1730th of 3,077 |
| Tornadoes | 40 | 0 | $39M | 20th of 102 | 275th of 3,080 |
| High wind and dust storms | 26 | 0 | $62K | 35th of 102 | 1104th of 3,080 |
| Heat | 13 | 0 | – | 65th of 102 | 866th of 3,076 |
| Drought | 11 | 0 | $45M | 60th of 102 | 1586th of 3,063 |
| Extreme cold | 9 | 0 | – | 65th of 102 | 1232nd of 3,076 |
| Lightning | 3 | 0 | $123K | 36th of 102 | 1101st 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 Coles County record: every hazard by year and month, the deadliest events and FEMA's declarations.