Hardin County, Illinois: hazard risk
FEMA rates Hardin County's overall risk Very Low (score 8.3 of 100, higher than 8% of rated U.S. counties). Its storm record holds 565 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 Low | 69.0 | $631K |
| Drought | Relatively Low | 46.5 | $97K |
| Ice Storm | Relatively Low | 40.7 | $46K |
| Strong Wind | Relatively Low | 36.5 | $313K |
| Tornado | Relatively Low | 31.3 | $467K |
| Heat Wave | Very Low | 34.5 | $147K |
| Landslide | Very Low | 32.0 | $307 |
| Hurricane | Very Low | 25.2 | $8K |
| Winter Weather | Very Low | 24.2 | $19K |
| Cold Wave | Very Low | 19.3 | $179K |
| Lightning | Very Low | 17.1 | $50K |
| Hail | Very Low | 16.4 | $48K |
| Riverine Flooding | Very Low | 15.5 | $1.6M |
| Wildfire | Very Low | 5.3 | $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 | 105 | 0 | $12M | 2nd of 102 | 72nd of 3,077 |
| Heat | 82 | 1 | – | 1st of 102 | 4th of 3,076 |
| Extreme cold | 71 | 0 | $40K | 1st of 102 | 3rd of 3,076 |
| High wind and dust storms | 63 | 0 | $5.8M | 2nd of 102 | 44th of 3,080 |
| Floods | 58 | 0 | $729K | 7th of 102 | 67th of 3,080 |
| Drought | 32 | 0 | $4.9M | 2nd of 102 | 56th of 3,063 |
| Severe thunderstorm wind | 31 | 0 | $466K | 86th of 102 | 1634th of 3,080 |
| Hail | 14 | 0 | $79K | 95th of 102 | 2050th of 3,080 |
| Tornadoes | 4 | 0 | $57K | 102nd of 102 | 1909th of 3,080 |
| Heavy rain | 3 | 0 | – | 24th of 102 | 547th of 3,080 |
| Lightning | 1 | 0 | – | 39th of 102 | 1134th of 3,080 |
| Wildfires | 1 | 0 | – | 1st of 102 | 454th 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 Hardin County record: every hazard by year and month, the deadliest events and FEMA's declarations.