McDonough County, Illinois: hazard risk
FEMA rates McDonough County's overall risk Very Low (score 37.5 of 100, higher than 37% of rated U.S. counties). Its storm record holds 786 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 | 83.5 | $975K |
| Heat Wave | Relatively Moderate | 82.2 | $1.4M |
| Hail | Relatively Moderate | 74.4 | $584K |
| Cold Wave | Relatively Moderate | 72.9 | $2.1M |
| Strong Wind | Relatively Moderate | 72.6 | $893K |
| Ice Storm | Relatively Moderate | 65.6 | $148K |
| Earthquake | Relatively Low | 59.6 | $380K |
| Winter Weather | Relatively Low | 53.6 | $62K |
| Tornado | Relatively Low | 52.0 | $1.1M |
| Lightning | Relatively Low | 47.3 | $180K |
| Landslide | Very Low | 61.5 | $3K |
| Riverine Flooding | Very Low | 21.1 | $2.2M |
| Hurricane | Very Low | 20.1 | $5K |
| Wildfire | Very Low | 0.9 | $290 |
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 | 256 | 0 | $11M | 54th of 102 | 1170th of 3,080 |
| Hail | 197 | 0 | $153K | 29th of 102 | 764th of 3,080 |
| Winter storms | 122 | 0 | $33K | 34th of 102 | 680th of 3,077 |
| Floods | 78 | 0 | $2.3M | 29th of 102 | 644th of 3,080 |
| Tornadoes | 44 | 0 | $9.3M | 21st of 102 | 278th of 3,080 |
| Heavy rain | 25 | 0 | $332K | 13th of 102 | 375th of 3,080 |
| Extreme cold | 17 | 0 | $12M | 46th of 102 | 854th of 3,076 |
| Drought | 15 | 0 | $24M | 52nd of 102 | 1473rd of 3,063 |
| High wind and dust storms | 9 | 0 | $280K | 94th of 102 | 2235th of 3,080 |
| Heat | 5 | 0 | – | 95th of 102 | 1582nd of 3,076 |
| Lightning | 4 | 0 | $5K | 30th of 102 | 994th 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 McDonough County record: every hazard by year and month, the deadliest events and FEMA's declarations.