White County, Illinois: hazard risk
FEMA rates White County's overall risk Relatively Low (score 54.3 of 100, higher than 54% of rated U.S. counties). Its storm record holds 950 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 Moderate | 91.9 | $6.1M |
| Winter Weather | Relatively Moderate | 68.7 | $102K |
| Drought | Relatively Moderate | 67.6 | $376K |
| Strong Wind | Relatively Moderate | 63.3 | $664K |
| Heat Wave | Relatively Low | 65.7 | $624K |
| Landslide | Relatively Low | 64.6 | $3K |
| Tornado | Relatively Low | 59.9 | $1.5M |
| Ice Storm | Relatively Low | 53.9 | $83K |
| Hail | Relatively Low | 48.0 | $201K |
| Riverine Flooding | Relatively Low | 44.3 | $4.6M |
| Cold Wave | Relatively Low | 42.2 | $594K |
| Lightning | Relatively Low | 34.5 | $108K |
| Hurricane | Very Low | 35.6 | $18K |
| Wildfire | Very Low | 2.2 | $699 |
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. |
|---|---|---|---|---|---|
| Floods | 227 | 0 | $6.2M | 6th of 102 | 44th of 3,080 |
| Winter storms | 125 | 1 | $174K | 24th of 102 | 487th of 3,077 |
| Severe thunderstorm wind | 117 | 1 | $4.1M | 76th of 102 | 1503rd of 3,080 |
| Heat | 80 | 0 | – | 17th of 102 | 153rd of 3,076 |
| High wind and dust storms | 76 | 0 | $814K | 16th of 102 | 193rd of 3,080 |
| Extreme cold | 75 | 0 | $4.3M | 16th of 102 | 71st of 3,076 |
| Hail | 64 | 0 | $1.2M | 76th of 102 | 1669th of 3,080 |
| Drought | 28 | 0 | $4.9M | 20th of 102 | 825th of 3,063 |
| Tornadoes | 25 | 1 | $17M | 48th of 102 | 744th of 3,080 |
| Heavy rain | 10 | 0 | $13K | 19th of 102 | 458th of 3,080 |
| Lightning | 6 | 0 | $268K | 21st of 102 | 714th 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 White County record: every hazard by year and month, the deadliest events and FEMA's declarations.