Property Atlas

County hazard profile

McLean, IL

Illinois · pop. 170,926 · FIPS 17113

Relatively Moderate
FEMA risk rating · RATING
Cold Wave
dominant hazard
$81M
modeled expected annual loss/yr

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

lower than most counties (25th percentile)

national median $15M/yr McLean $81M

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 86.9/100
national median ~50 higher than 87% of counties
Social vulnerabilityVery Low 15.08/100
national median ~50 among the lowest nationally
Community resilienceVery High 95.45/100
national median ~50 among the highest nationally

Recorded · NFIP flood claims RECORDED

Realized flood losses in McLean

The National Flood Insurance Program has paid 184 flood-insurance claims totaling $1.7M in McLean since 1979. The costliest year was 2021 ($299K paid).

Flood-insurance dollars paid by year of loss

1979: $28,124 paid 1980: $25,927 paid 1981: $80,115 paid 1982: $79,769 paid 1983: $21,121 paid 1984: $312 paid 1986: $23,212 paid 1993: $240,648 paid 1995: $17,781 paid 1996: $5,120 paid 1997: $0 paid 2003: $182,598 paid 2004: $9,208 paid 2005: $13,727 paid 2006: $8,166 paid 2007: $96,763 paid 2008: $199,655 paid 2009: $28,315 paid 2010: $0 paid 2014: $9,577 paid 2015: $256,178 paid 2018: $1,689 paid 2019: $4,654 paid 2020: $63,859 paid 2021: $299,344 paid 2025: $0 paid 2021 · $299K 1979 2025
$1.7M
total paid
$9,217
average claim
$160K
largest single claim
33%
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 McLean, IL and where it ranks among U.S. counties. It is not a verdict on whether McLean 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.