Natural hazards · Belvidere

Belvidere, IL natural hazards

Most of the natural-hazard damage FEMA expects in Belvidere comes from inland flooding, and overall the risk is moderate for a U.S. community. Flood insurance has paid 25 claims here since 1979. 3 federal disasters brought FEMA money into town.

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

Expected damage

How exposed is Belvidere?

Moderate

vs. U.S. communities

FEMA expects yearly storm and flood damage to homes and buildings in Belvidere to be higher than in 54% of U.S. communities, mostly from inland flooding and tornadoes.

Inland flooding52%Tornadoes17%Cold waves17%Everything else13%

By hazard

What Belvidere faces

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

Inland flooding

52% of expected damage

Above average · higher than 72% of U.S. places

Recorded about once a year in the area

Tornadoes

17% of expected damage

Well above average · higher than 84% of U.S. places

Cold waves

17% of expected damage

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

Recorded about 6 times a year in the area

Lower here

HurricanesHailIce 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 Belvidere flood?

Every paid claim on a federal flood insurance policy in Belvidere, from FEMA’s records.

25paid claims since 1979

$161Kpaid to owners

1homes flooded more than once

19792026

Biggest named events

Hurricane Ike: 1 claim, $67K

Homes that flooded again and again

■ FEMA “severe repetitive loss” (0) ■ flooded 2+ times

of homes in flood zones
are insured

of all homes
are insured

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

Insurance rates: Boone County.

Disasters that hit Belvidere

3 federal disasters brought FEMA money here

Disasters the President declared that paid out in Belvidere itself: aid to households, or repair grants to the City of Belvidere.

Brought FEMA money into BelvidereDeclared for Boone County only

2008

Record Snow and Near Record Snow

$42K to the City of Belvidere for repairs

2006

Snow

$42K to the City of Belvidere for repairs

2000

Illinois Winter Snow Storms

$24K to the City of Belvidere for repairs

Boone County has had 9 natural disasters declared since 1953, most often winter storms and floods.

Around Belvidere

Belvidere and the towns around it

Very lowLowModerateHighVery high

Belvideremostly inland floodingModerate

Cherry Valleymostly inland floodingVery low

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. Belvidere covers 4 census tracts, combined by population.

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

FEMA’s expected losses across Belvidere total about $7.1M a year, counting buildings, people and crops.

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.