Property Atlas

County hazard profile

Adams, IL

Illinois · pop. 65,679 · FIPS 17001

Relatively Low
FEMA risk rating · RATING
Heat Wave
dominant hazard
$26M
modeled expected annual loss/yr

Expected annual loss · all 3,232 U.S. counties

among the lowest nationally

national median $15M/yr Adams $26M

A real dollar distribution: most counties sit far below a handful of high-exposure ones. A FEMA model of annual loss, not a record of disasters.

FEMA national percentile scores

FEMA/CDC score each county 0–100 against all others — the score is the national rank (RATING). Higher risk and vulnerability are worse; higher resilience is better.

FEMA risk indexRelatively Low 64.19/100
national median ~50 near the national middle (64th percentile)
Social vulnerabilityRelatively Low 29.64/100
national median ~50 lower than most counties (30th percentile)
Community resilienceVery High 92.02/100
national median ~50 among the highest nationally

Recorded · NFIP flood claims RECORDED

Realized flood losses in Adams

The National Flood Insurance Program has paid 374 flood-insurance claims totaling $13.7M in Adams since 1978. The costliest year was 2008 ($6.1M paid).

Flood-insurance dollars paid by year of loss

1978: $7,516 paid 1979: $26,694 paid 1980: $0 paid 1981: $5,931 paid 1982: $15,499 paid 1983: $34,564 paid 1984: $0 paid 1985: $9,644 paid 1986: $53,912 paid 1989: $4,048 paid 1990: $6,641 paid 1991: $694 paid 1993: $3,526,716 paid 1994: $0 paid 1995: $0 paid 1996: $15,357 paid 2000: $0 paid 2001: $352,946 paid 2002: $14,800 paid 2008: $6,087,464 paid 2010: $35,155 paid 2013: $998,694 paid 2014: $141,669 paid 2015: $212,415 paid 2018: $43,447 paid 2019: $2,156,118 paid 2021: $0 paid 2008 · $6.1M 1978 2021
$13.7M
total paid
$36,765
average claim
$1.0M
largest single claim
78%
in high-risk flood zones (A/V)

RECORDED — these are actual paid NFIP claims (a redacted census from OpenFEMA), not a model. They are the realized counterpart to the FEMA risk score above: one is what happened and got paid, the other is what a model predicts.

Scope: these are flood-insurance claims, so they undercount flooding where owners were uninsured — read this as "what NFIP paid here," not "every flood." County-level totals, not a per-property or per-address verdict. Verify a specific address and buy coverage at FloodSmart.gov; the underlying data is OpenFEMA NFIP Redacted Claims.

What these figures mean

  • RATING — the FEMA risk score, expected loss, social vulnerability, and resilience are FEMA/CDC models, not records of disasters that happened. The 0–100 scores are already national percentiles.
  • MEASURED — population is a recorded census figure.
  • COMPUTED — the county's rank within the dollar-loss distribution is our placement over the 3,232 counties.
  • CONTEXT — the note below is framing, not a measurement.

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What this is — and is not

This is FEMA/CDC modeled hazard exposure for Adams, IL and where it ranks among U.S. counties. It is not a verdict on whether Adams is a good or bad place to live — hazard exposure is not place quality, and a county can't opt out of its geography. It is not a per-property or per-address risk assessment, not a prediction of any specific disaster, and not insurance advice. For site-specific risk use a per-property assessment; for the underlying model see FEMA National Risk Index.