Jo Daviess County, Illinois: hazard risk
FEMA rates Jo Daviess County's overall risk Relatively Low (score 51.3 of 100, higher than 51% of rated U.S. counties). Its storm record holds 686 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 |
|---|---|---|---|
| Landslide | Relatively Moderate | 92.0 | $70K |
| Hail | Relatively Moderate | 84.6 | $1.1M |
| Cold Wave | Relatively Moderate | 75.1 | $2.5M |
| Tornado | Relatively Moderate | 68.8 | $2.3M |
| Drought | Relatively Moderate | 68.2 | $438K |
| Strong Wind | Relatively Moderate | 59.0 | $665K |
| Riverine Flooding | Relatively Low | 58.5 | $8.0M |
| Ice Storm | Relatively Low | 56.6 | $106K |
| Heat Wave | Relatively Low | 48.7 | $330K |
| Winter Weather | Relatively Low | 39.6 | $42K |
| Earthquake | Very Low | 28.1 | $57K |
| Lightning | Very Low | 22.7 | $73K |
| Wildfire | Very Low | 21.5 | $8K |
| Hurricane | Very Low | 16.4 | $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 | 228 | 0 | $2.4M | 58th of 102 | 1223rd of 3,080 |
| Winter storms | 163 | 0 | $27K | 23rd of 102 | 427th of 3,077 |
| Hail | 113 | 0 | $446K | 80th of 102 | 1746th of 3,080 |
| Floods | 65 | 3 | $23M | 45th of 102 | 928th of 3,080 |
| Extreme cold | 24 | 0 | $399K | 38th of 102 | 682nd of 3,076 |
| Heavy rain | 22 | 0 | $8K | 27th of 102 | 618th of 3,080 |
| Tornadoes | 19 | 0 | $4.8M | 99th of 102 | 1803rd of 3,080 |
| High wind and dust storms | 17 | 0 | $221K | 50th of 102 | 1465th of 3,080 |
| Drought | 13 | 0 | $13M | 61st of 102 | 1587th of 3,063 |
| Heat | 4 | 0 | – | 98th of 102 | 1752nd of 3,076 |
| Lightning | 4 | 0 | $42K | 31st of 102 | 1011th 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 Jo Daviess County record: every hazard by year and month, the deadliest events and FEMA's declarations.