Property Atlas

County hazard profile

Jo Daviess, IL

Illinois · pop. 22,021 · FIPS 17085

Relatively Low
FEMA risk rating · RATING
Landslide
dominant hazard
$16M
modeled expected annual loss/yr

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

among the lowest nationally

national median $15M/yr Jo Daviess $16M

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 51.3/100
national median ~50 near the national middle (51st percentile)
Social vulnerabilityRelatively Moderate 48.79/100
national median ~50 near the national middle (49th percentile)
Community resilienceRelatively Moderate 59.54/100
national median ~50 near the national middle (60th percentile)

Recorded · NFIP flood claims RECORDED

Realized flood losses in Jo Daviess

The National Flood Insurance Program has paid 343 flood-insurance claims totaling $3.9M in Jo Daviess since 1978. The costliest year was 2011 ($1.4M paid).

Flood-insurance dollars paid by year of loss

1978: $5,000 paid 1979: $1,733 paid 1982: $13,155 paid 1983: $20,352 paid 1985: $100 paid 1986: $49,728 paid 1993: $397,454 paid 1996: $68,423 paid 1997: $374,991 paid 1998: $25,915 paid 1999: $126,981 paid 2001: $760,699 paid 2002: $37,906 paid 2003: $25,765 paid 2004: $33,334 paid 2008: $59,998 paid 2010: $116,401 paid 2011: $1,445,109 paid 2013: $97,583 paid 2014: $20,479 paid 2017: $199,313 paid 2018: $20,450 paid 2019: $13,531 paid 2022: $0 paid 2023: $8,067 paid 2011 · $1.4M 1978 2023
$3.9M
total paid
$11,436
average claim
$193K
largest single claim
87%
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 Jo Daviess, IL and where it ranks among U.S. counties. It is not a verdict on whether Jo Daviess 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.