Natural hazards · Byron

Byron, IL natural hazards

Most of the natural-hazard damage FEMA expects in Byron comes from inland flooding, and overall the risk is high for a U.S. community. Flood insurance has paid 8 claims here since 1979. 5 federal disasters brought FEMA money into town.

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

Expected damage

How exposed is Byron?

High

vs. U.S. communities

FEMA expects yearly storm and flood damage to homes and buildings in Byron to be higher than in 79% of U.S. communities, mostly from inland flooding.

Inland flooding72%Cold waves10%Tornadoes9%Everything else8%

By hazard

What Byron faces

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

Inland flooding

72% of expected damage

Well above average · higher than 92% of U.S. places

Recorded about once a year in the area

Cold waves

10% of expected damage

Well below average · higher than 20% of U.S. places

Recorded about 6 times a year in the area

Tornadoes

9% of expected damage

Well above average · higher than 82% of U.S. places

Recorded about once every 77 years 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 Byron flood?

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

8paid claims since 1979

$57Kpaid to owners

0homes flooded more than once

19792026

of homes in flood zones
are insured

of all homes
are insured

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

Insurance rates: Ogle County.

Disasters that hit Byron

5 federal disasters brought FEMA money here

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

Brought FEMA money into ByronDeclared for Ogle County only

2011

Severe Winter Storm and Snowstorm

$8K to the City of Byron for repairs

2010

Severe Storms and Flooding

11 households applied for aid $15K aid approved

2008

Record Snow and Near Record Snow

$4K to the City of Byron for repairs

2006

Snow

$6K to the City of Byron for repairs

2000

Illinois Winter Snow Storms

$3K to the City of Byron for repairs

Ogle County has had 12 natural disasters declared since 1953, most often winter storms and floods.

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. Byron 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 Byron’s own flood-insurance community; household aid to the registrant’s city; repair grants to the City of Byron. 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.