Property Atlas

County hazard profile

Kane, IL

Illinois · pop. 516,173 · FIPS 17089

Relatively High
FEMA risk rating · RATING
Cold Wave
dominant hazard
$198M
modeled expected annual loss/yr

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

near the national middle (61st percentile)

national median $15M/yr Kane $198M

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 High 94.59/100
national median ~50 among the highest nationally
Social vulnerabilityVery Low 16.98/100
national median ~50 among the lowest nationally
Community resilienceRelatively High 63.74/100
national median ~50 near the national middle (64th percentile)

Recorded · NFIP flood claims RECORDED

Realized flood losses in Kane

The National Flood Insurance Program has paid 921 flood-insurance claims totaling $11.4M in Kane since 1978. The costliest year was 1996 ($4.1M paid).

Flood-insurance dollars paid by year of loss

1978: $44,850 paid 1979: $123,343 paid 1980: $563 paid 1981: $49,428 paid 1982: $37,947 paid 1983: $833,301 paid 1984: $5,918 paid 1985: $16,390 paid 1986: $39,667 paid 1987: $33,197 paid 1988: $69,347 paid 1989: $22,482 paid 1990: $31,163 paid 1991: $13,536 paid 1992: $1,644 paid 1993: $63,606 paid 1994: $42,091 paid 1995: $1,625 paid 1996: $4,051,306 paid 1997: $268,895 paid 1998: $20,780 paid 1999: $12,735 paid 2000: $24,880 paid 2001: $13,184 paid 2002: $2,462 paid 2003: $0 paid 2004: $31,990 paid 2006: $0 paid 2007: $1,776,571 paid 2008: $1,635,738 paid 2009: $162,263 paid 2010: $91,051 paid 2011: $24,991 paid 2012: $0 paid 2013: $1,165,483 paid 2014: $18,148 paid 2015: $24,221 paid 2016: $3,568 paid 2017: $243,161 paid 2018: $59,428 paid 2019: $136,042 paid 2020: $190,162 paid 2021: $13,966 paid 2022: $181 paid 1996 · $4.1M 1978 2022
$11.4M
total paid
$12,379
average claim
$315K
largest single claim
64%
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 Kane, IL and where it ranks among U.S. counties. It is not a verdict on whether Kane 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.