Monroe County, Illinois: hazard risk
FEMA rates Monroe County's overall risk Very Low (score 41.9 of 100, higher than 41% of rated U.S. counties). Its storm record holds 451 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 |
|---|---|---|---|
| Heat Wave | Relatively Moderate | 87.6 | $4.3M |
| Strong Wind | Relatively Moderate | 69.7 | $1.7M |
| Earthquake | Relatively Low | 84.5 | $4.6M |
| Landslide | Relatively Low | 81.6 | $34K |
| Hail | Relatively Low | 60.2 | $659K |
| Tornado | Relatively Low | 58.3 | $2.9M |
| Cold Wave | Relatively Low | 49.0 | $1.6M |
| Drought | Relatively Low | 41.1 | $126K |
| Lightning | Relatively Low | 39.7 | $272K |
| Winter Weather | Relatively Low | 32.6 | $58K |
| Riverine Flooding | Very Low | 32.3 | $6.4M |
| Ice Storm | Very Low | 17.4 | $22K |
| Hurricane | Very Low | 17.0 | $8K |
| Wildfire | Very Low | 1.9 | $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. |
|---|---|---|---|---|---|
| Severe thunderstorm wind | 127 | 0 | $2.1M | 44th of 102 | 1053rd of 3,080 |
| Hail | 120 | 0 | $21K | 18th of 102 | 504th of 3,080 |
| Heat | 61 | 0 | – | 18th of 102 | 157th of 3,076 |
| Winter storms | 50 | 0 | $1.1M | 52nd of 102 | 1157th of 3,077 |
| Tornadoes | 41 | 0 | $9.5M | 9th of 102 | 159th of 3,080 |
| Floods | 31 | 0 | $8K | 52nd of 102 | 1029th of 3,080 |
| High wind and dust storms | 9 | 0 | $8K | 60th of 102 | 1642nd of 3,080 |
| Extreme cold | 5 | 0 | – | 82nd of 102 | 1553rd of 3,076 |
| Drought | 4 | 0 | – | 90th of 102 | 1990th of 3,063 |
| Heavy rain | 2 | 0 | – | 47th of 102 | 1313th 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 Monroe County record: every hazard by year and month, the deadliest events and FEMA's declarations.