Franklin County, Illinois: hazard risk
FEMA rates Franklin County's overall risk Relatively Low (score 80.9 of 100, higher than 80% of rated U.S. counties); 3 of its 14 hazards are rated Relatively High or Very High, led by cold wave, strong wind, winter weather. Its storm record holds 1,179 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 | 89.9 | $5.1M |
| Strong Wind | Relatively High | 88.5 | $1.4M |
| Winter Weather | Relatively High | 86.7 | $225K |
| Earthquake | Relatively Moderate | 95.4 | $12M |
| Heat Wave | Relatively Moderate | 87.4 | $1.8M |
| Tornado | Relatively Moderate | 79.3 | $2.8M |
| Ice Storm | Relatively Moderate | 63.1 | $110K |
| Lightning | Relatively Moderate | 60.5 | $247K |
| Hail | Relatively Low | 72.8 | $459K |
| Riverine Flooding | Relatively Low | 65.7 | $8.0M |
| Drought | Relatively Low | 58.2 | $182K |
| Landslide | Very Low | 50.3 | $982 |
| Hurricane | Very Low | 45.6 | $35K |
| Wildfire | Very Low | 5.8 | $1K |
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. |
|---|---|---|---|---|---|
| Winter storms | 180 | 2 | $2.1M | 14th of 102 | 309th of 3,077 |
| Severe thunderstorm wind | 169 | 0 | $14M | 21st of 102 | 650th of 3,080 |
| Floods | 130 | 0 | $24M | 9th of 102 | 73rd of 3,080 |
| Heat | 120 | 2 | – | 13th of 102 | 80th of 3,076 |
| Extreme cold | 117 | 3 | $67K | 10th of 102 | 41st of 3,076 |
| Hail | 116 | 0 | $262K | 15th of 102 | 447th of 3,080 |
| High wind and dust storms | 99 | 0 | $1.3M | 13th of 102 | 147th of 3,080 |
| Drought | 55 | 0 | $4.9M | 13th of 102 | 481st of 3,063 |
| Heavy rain | 21 | 0 | $23K | 4th of 102 | 184th of 3,080 |
| Tornadoes | 19 | 1 | $50M | 62nd of 102 | 962nd of 3,080 |
| Lightning | 3 | 0 | $38K | 27th of 102 | 929th of 3,080 |
| Wildfires | 1 | 0 | – | 6th of 102 | 789th 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 Franklin County record: every hazard by year and month, the deadliest events and FEMA's declarations.