Property Atlas

County hazard profile

Union, IL

Illinois · pop. 17,217 · FIPS 17181

Relatively Low
FEMA risk rating · RATING
Earthquake
dominant hazard
$15M
modeled expected annual loss/yr

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

among the lowest nationally

national median $15M/yr Union $15M

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 55.38/100
national median ~50 near the national middle (55th percentile)
Social vulnerabilityRelatively High 68.54/100
national median ~50 near the national middle (69th percentile)
Community resilienceRelatively Moderate 56.46/100
national median ~50 near the national middle (56th percentile)

Recorded · NFIP flood claims RECORDED

Realized flood losses in Union

The National Flood Insurance Program has paid 109 flood-insurance claims totaling $443K in Union since 1978. The costliest year was 2008 ($188K paid).

Flood-insurance dollars paid by year of loss

1978: $394 paid 1979: $19,050 paid 1981: $3,106 paid 1982: $25,957 paid 1983: $12,571 paid 1986: $29,731 paid 1993: $14,380 paid 1994: $0 paid 1997: $20,963 paid 1999: $10,700 paid 2001: $0 paid 2002: $3,517 paid 2003: $4,218 paid 2004: $0 paid 2005: $0 paid 2008: $188,055 paid 2011: $25,728 paid 2013: $5,922 paid 2015: $6,973 paid 2016: $6,193 paid 2019: $65,661 paid 2020: $0 paid 2008 · $188K 1978 2020
$443K
total paid
$4,065
average claim
$43K
largest single claim
86%
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.

Also available: structured data (JSON-LD) · plain text

What this is — and is not

This is FEMA/CDC modeled hazard exposure for Union, IL and where it ranks among U.S. counties. It is not a verdict on whether Union 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.