Hamilton County, Illinois: hazard risk
FEMA rates Hamilton County's overall risk Very Low (score 30.8 of 100, higher than 30% of rated U.S. counties). Its storm record holds 662 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 |
|---|---|---|---|
| Earthquake | Relatively Moderate | 90.7 | $7.3M |
| Strong Wind | Relatively Moderate | 55.9 | $803K |
| Winter Weather | Relatively Low | 53.1 | $88K |
| Drought | Relatively Low | 52.7 | $218K |
| Heat Wave | Relatively Low | 44.1 | $345K |
| Tornado | Relatively Low | 37.3 | $939K |
| Ice Storm | Relatively Low | 36.2 | $55K |
| Hail | Relatively Low | 35.1 | $180K |
| Cold Wave | Relatively Low | 30.9 | $545K |
| Landslide | Very Low | 49.0 | $2K |
| Hurricane | Very Low | 27.8 | $15K |
| Riverine Flooding | Very Low | 12.5 | $1.9M |
| Lightning | Very Low | 12.3 | $52K |
| Wildfire | Very Low | 1.1 | $598 |
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 | 119 | 0 | $148K | 22nd of 102 | 423rd of 3,077 |
| Heat | 84 | 0 | – | 14th of 102 | 99th of 3,076 |
| Extreme cold | 78 | 0 | $4.3M | 15th of 102 | 54th of 3,076 |
| Severe thunderstorm wind | 70 | 0 | $1.1M | 96th of 102 | 1883rd of 3,080 |
| High wind and dust storms | 65 | 1 | $150K | 17th of 102 | 200th of 3,080 |
| Floods | 47 | 0 | $1.2M | 36th of 102 | 776th of 3,080 |
| Hail | 44 | 0 | $1.4M | 89th of 102 | 1990th of 3,080 |
| Drought | 30 | 0 | $4.9M | 16th of 102 | 624th of 3,063 |
| Tornadoes | 12 | 0 | $24M | 98th of 102 | 1777th of 3,080 |
| Heavy rain | 5 | 0 | – | 32nd of 102 | 781st 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 Hamilton County record: every hazard by year and month, the deadliest events and FEMA's declarations.