Property Atlas

County hazard profile

Henderson, IL

Illinois · pop. 6,382 · FIPS 17071

Very Low
FEMA risk rating · RATING
Drought
dominant hazard
$5M
modeled expected annual loss/yr

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

among the lowest nationally

national median $15M/yr Henderson $5M

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 indexVery Low 17.53/100
national median ~50 among the lowest nationally
Social vulnerabilityRelatively High 77.07/100
national median ~50 higher than 77% of counties
Community resilienceRelatively Low 37.12/100
national median ~50 lower than most counties (37th percentile)

Recorded · NFIP flood claims RECORDED

Realized flood losses in Henderson

The National Flood Insurance Program has paid 412 flood-insurance claims totaling $11.5M in Henderson since 1979. The costliest year was 2008 ($7.6M paid).

Flood-insurance dollars paid by year of loss

1979: $7,988 paid 1980: $0 paid 1982: $19,560 paid 1983: $12,761 paid 1984: $2,395 paid 1985: $9,619 paid 1986: $15,768 paid 1990: $6,602 paid 1993: $850,571 paid 1994: $0 paid 1996: $19,548 paid 1997: $51,171 paid 1998: $16,060 paid 2001: $865,935 paid 2002: $51,343 paid 2004: $3,457 paid 2008: $7,557,115 paid 2010: $27,065 paid 2011: $41,897 paid 2013: $348,471 paid 2014: $762,255 paid 2016: $10,552 paid 2017: $2,743 paid 2018: $128,850 paid 2019: $634,116 paid 2023: $25,299 paid 2024: $47,397 paid 2026: $0 paid 2008 · $7.6M 1979 2026
$11.5M
total paid
$27,958
average claim
$305K
largest single claim
79%
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 Henderson, IL and where it ranks among U.S. counties. It is not a verdict on whether Henderson 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.