Henderson County, Illinois: hazard risk
FEMA rates Henderson County's overall risk Very Low (score 17.5 of 100, higher than 17% of rated U.S. counties). Its storm record holds 410 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 | 80.3 | $699K |
| Hail | Relatively Moderate | 74.5 | $506K |
| Strong Wind | Relatively Moderate | 56.7 | $490K |
| Heat Wave | Relatively Low | 52.2 | $307K |
| Ice Storm | Relatively Low | 40.2 | $39K |
| Lightning | Relatively Low | 33.2 | $91K |
| Tornado | Relatively Low | 28.6 | $340K |
| Cold Wave | Relatively Low | 24.0 | $225K |
| Landslide | Very Low | 56.6 | $2K |
| Earthquake | Very Low | 27.6 | $43K |
| Riverine Flooding | Very Low | 24.7 | $2.1M |
| Winter Weather | Very Low | 22.5 | $15K |
| Hurricane | Very Low | 13.6 | $2K |
| Wildfire | Very Low | 1.7 | $480 |
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 | 120 | 0 | $23K | 13th of 102 | 306th of 3,077 |
| Severe thunderstorm wind | 90 | 0 | $784K | 87th of 102 | 1653rd of 3,080 |
| Hail | 66 | 0 | $17M | 62nd of 102 | 1355th of 3,080 |
| Floods | 60 | 0 | $3.7M | 19th of 102 | 410th of 3,080 |
| Drought | 17 | 0 | $17M | 26th of 102 | 1053rd of 3,063 |
| Extreme cold | 17 | 0 | $499K | 33rd of 102 | 559th of 3,076 |
| Tornadoes | 13 | 0 | $16M | 101st of 102 | 1853rd of 3,080 |
| High wind and dust storms | 8 | 0 | $184K | 67th of 102 | 1746th of 3,080 |
| Heat | 5 | 0 | – | 87th of 102 | 1256th of 3,076 |
| Heavy rain | 2 | 0 | – | 45th of 102 | 1303rd 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 Henderson County record: every hazard by year and month, the deadliest events and FEMA's declarations.