Property Atlas

County hazard profile

Winnebago, IL

Illinois · pop. 285,162 · FIPS 17201

Relatively Moderate
FEMA risk rating · RATING
Cold Wave
dominant hazard
$122M
modeled expected annual loss/yr

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

lower than most counties (38th percentile)

national median $15M/yr Winnebago $122M

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 92.37/100
national median ~50 among the highest nationally
Social vulnerabilityRelatively Low 38.93/100
national median ~50 lower than most counties (39th percentile)
Community resilienceRelatively High 68.54/100
national median ~50 near the national middle (69th percentile)

Recorded · NFIP flood claims RECORDED

Realized flood losses in Winnebago

The National Flood Insurance Program has paid 1,729 flood-insurance claims totaling $27.3M in Winnebago since 1978. The costliest year was 2008 ($9.2M paid).

Flood-insurance dollars paid by year of loss

1978: $355,812 paid 1979: $215,892 paid 1980: $15,400 paid 1981: $71,270 paid 1982: $47,178 paid 1983: $4,233 paid 1984: $2,356 paid 1985: $19,243 paid 1986: $5,246 paid 1987: $0 paid 1988: $87,382 paid 1989: $12,397 paid 1992: $2,155 paid 1993: $332,775 paid 1994: $14,882 paid 1995: $0 paid 1996: $411,114 paid 1997: $24,846 paid 1998: $6,666 paid 1999: $97,509 paid 2000: $460,553 paid 2001: $6,222 paid 2002: $127,695 paid 2003: $0 paid 2004: $8,876 paid 2006: $3,784,895 paid 2007: $4,810,658 paid 2008: $9,171,936 paid 2009: $21,130 paid 2010: $661,276 paid 2013: $422,344 paid 2014: $1,831 paid 2015: $38,760 paid 2016: $0 paid 2017: $425,030 paid 2018: $638,744 paid 2019: $3,413,202 paid 2020: $49 paid 2021: $0 paid 2022: $24,995 paid 2024: $1,560,275 paid 2025: $2,628 paid 2026: $0 paid 2008 · $9.2M 1978 2026
$27.3M
total paid
$15,794
average claim
$516K
largest single claim
69%
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 Winnebago, IL and where it ranks among U.S. counties. It is not a verdict on whether Winnebago 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.