Effingham County, Illinois: hazard risk
FEMA rates Effingham County's overall risk Relatively Low (score 53.8 of 100, higher than 53% of rated U.S. counties). Its storm record holds 466 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 | 87.2 | $1.6M |
| Winter Weather | Relatively Moderate | 63.8 | $119K |
| Strong Wind | Relatively Moderate | 58.9 | $817K |
| Earthquake | Relatively Low | 88.5 | $4.9M |
| Landslide | Relatively Low | 70.7 | $7K |
| Heat Wave | Relatively Low | 66.9 | $907K |
| Tornado | Relatively Low | 63.6 | $2.3M |
| Hail | Relatively Low | 60.9 | $449K |
| Cold Wave | Relatively Low | 59.9 | $1.6M |
| Ice Storm | Relatively Low | 49.4 | $95K |
| Riverine Flooding | Relatively Low | 49.2 | $7.4M |
| Lightning | Relatively Low | 37.5 | $169K |
| Hurricane | Very Low | 40.3 | $34K |
| Wildfire | Very Low | 10.9 | $4K |
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 | 195 | 0 | $2.2M | 35th of 102 | 986th of 3,080 |
| Hail | 86 | 0 | – | 58th of 102 | 1287th of 3,080 |
| Floods | 78 | 0 | $645K | 22nd of 102 | 463rd of 3,080 |
| Winter storms | 36 | 3 | $1.2M | 83rd of 102 | 1873rd of 3,077 |
| Tornadoes | 30 | 2 | $8.8M | 33rd of 102 | 478th of 3,080 |
| Heat | 14 | 1 | – | 56th of 102 | 789th of 3,076 |
| High wind and dust storms | 10 | 1 | $64K | 68th of 102 | 1759th of 3,080 |
| Drought | 8 | 0 | $42M | 72nd of 102 | 1757th of 3,063 |
| Extreme cold | 8 | 1 | – | 69th of 102 | 1295th of 3,076 |
Source: NOAA NCEI Storm Events Database, 1950 to 2026-06-30; damage in 2025 dollars. Search the record at NCEI.
The full Effingham County record: every hazard by year and month, the deadliest events and FEMA's declarations.