Property Atlas

County hazard profile

Champaign, IL

Illinois · pop. 205,823 · FIPS 17019

Relatively Moderate
FEMA risk rating · RATING
Cold Wave
dominant hazard
$93M
modeled expected annual loss/yr

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

lower than most counties (29th percentile)

national median $15M/yr Champaign $93M

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 Moderate 90.46/100
national median ~50 among the highest nationally
Social vulnerabilityRelatively Low 30.85/100
national median ~50 lower than most counties (31st percentile)
Community resilienceVery High 86.29/100
national median ~50 higher than 86% of counties

Recorded · NFIP flood claims RECORDED

Realized flood losses in Champaign

The National Flood Insurance Program has paid 233 flood-insurance claims totaling $2.1M in Champaign since 1979. The costliest year was 2008 ($360K paid).

Flood-insurance dollars paid by year of loss

1979: $82,419 paid 1980: $4,242 paid 1981: $48,960 paid 1982: $13,329 paid 1983: $116,005 paid 1985: $353 paid 1987: $19,276 paid 1990: $147,186 paid 1991: $116,922 paid 1993: $117,271 paid 1994: $274,309 paid 1995: $56,098 paid 1996: $28,290 paid 1998: $51,747 paid 1999: $20,000 paid 2001: $0 paid 2002: $90,910 paid 2003: $15,278 paid 2004: $0 paid 2005: $16,328 paid 2006: $10,602 paid 2008: $360,472 paid 2009: $44,458 paid 2011: $996 paid 2012: $817 paid 2013: $21,268 paid 2014: $115,688 paid 2015: $102,778 paid 2016: $3,271 paid 2018: $86,052 paid 2021: $86,636 paid 2025: $6,458 paid 2026: $3,941 paid 2008 · $360K 1979 2026
$2.1M
total paid
$8,851
average claim
$86K
largest single claim
66%
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 Champaign, IL and where it ranks among U.S. counties. It is not a verdict on whether Champaign 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.