Natural hazards · Apple River

Apple River, IL natural hazards

Most of the natural-hazard damage FEMA expects in Apple River comes from inland flooding, and overall the risk is low for a U.S. community. 2 federal disasters brought FEMA money into town.

FEMA National Risk Index, December 2025 · OpenFEMA claims, aid & declarations

Expected damage

How exposed is Apple River?

Low

vs. U.S. communities

FEMA expects yearly storm and flood damage to homes and buildings in Apple River to be higher than in 34% of U.S. communities, mostly from inland flooding and cold waves.

Inland flooding48%Cold waves17%Tornadoes14%Hail8%Everything else14%

By hazard

What Apple River faces

Each hazard’s share of the damage FEMA expects here, and how that compares with the rest of the country.

Inland flooding

48% of expected damage

Below average · higher than 44% of U.S. places

Recorded about 2 times a year in the area

Cold waves

17% of expected damage

Below average · higher than 30% of U.S. places

Recorded about 7 times a year in the area

Tornadoes

14% of expected damage

Well above average · higher than 83% of U.S. places

Recorded about once every 14 years in the area

Hail

8% of expected damage

Well above average · higher than 89% of U.S. places

Recorded about 4 times a year in the area

Lower here

HurricanesIce stormsWinter weatherHeat wavesWildfireEarthquakesLandslidesStrong windLightningDrought

Not a risk here

Coastal floodingAvalanchesTsunamisVolcanic activity

Flood risk changes street by street. Check a specific address on FEMA’s flood map, and ask about flood insurance before you buy.

Flood insurance claims

Does Apple River flood?

FEMA's records show no paid flood insurance claims in Apple River.

of homes in flood zones
are insured

of all homes
are insured

No community discount. Apple River isn’t in FEMA’s Community Rating System, which cuts flood insurance up to 45% in towns that do extra flood-proofing.

Insurance rates: Jo Daviess County.

Disasters that hit Apple River

2 federal disasters brought FEMA money here

Disasters the President declared that paid out in Apple River itself: aid to households, or repair grants to the Village of Apple River.

Brought FEMA money into Apple RiverDeclared for Jo Daviess County only

2010

Severe Storms and Flooding

2 households applied for aid $5K aid approved

1999

Severe Storms and Flash Flooding

$8K to the Village of Apple River for repairs

Jo Daviess County has had 14 natural disasters declared since 1953, most often floods and winter storms.

Around Apple River

Apple River and the towns around it

Very lowLowModerateHighVery high

Apple Rivermostly inland floodingLow

Warrenmostly inland floodingLow

Monticellomostly cold wavesLow

About these numbers

How to read this page

An average, not a forecastFEMA’s National Risk Index estimates the damage 18 kinds of natural hazards cause in a typical year, from decades of records and models. A quiet decade can follow a bad year.

Compared by rate“Higher than N%” compares yearly damage as a share of what’s here, so a big city isn’t rated riskier just for having more buildings. Apple River is smaller than a census tract, so it shares the figures of the tract around its center.

Money that reached townFlood claims are matched to Apple River’s own flood-insurance community; household aid to the registrant’s city; repair grants to the Village of Apple River. FEMA’s model follows property values, so a place that recently lost many homes can rate lower than it feels.

Sources: FEMA National Risk Index (December 2025); OpenFEMA: NFIP redacted claims, multiple-loss properties, community status book and residential penetration rates, housing assistance (owners and renters), public assistance funded projects, hazard mitigation properties and disaster declarations. Census tracts: U.S. Census Bureau.