Natural hazards · Cherry Valley

Cherry Valley, IL natural hazards

Most of the natural-hazard damage FEMA expects in Cherry Valley comes from inland flooding, and overall the risk is low for a U.S. community. Flood insurance has paid 27 claims here since 1978.

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

Expected damage

How exposed is Cherry Valley?

Low

vs. U.S. communities

FEMA expects yearly storm and flood damage to homes and buildings in Cherry Valley to be higher than in 25% of U.S. communities, mostly from inland flooding and cold waves.

Inland flooding44%Cold waves22%Tornadoes20%Everything else15%

By hazard

What Cherry Valley faces

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

Inland flooding

44% of expected damage

Below average · higher than 37% of U.S. places

Recorded about 2 times a year in the area

Cold waves

22% of expected damage

Below average · higher than 29% of U.S. places

Recorded about 6 times a year in the area

Tornadoes

20% of expected damage

Well above average · higher than 78% of U.S. places

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 Cherry Valley flood?

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

27paid claims since 1978

$169Kpaid to owners

0homes flooded more than once

19782026

of homes in flood zones
are insured

of all homes
are insured

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

Insurance rates: Winnebago County.

Disasters that hit Cherry Valley

Federal disasters declared here

None of the disasters declared for Winnebago County shows FEMA aid or repair money reaching Cherry Valley itself in FEMA’s records.

Brought FEMA money into Cherry ValleyDeclared for Winnebago County only

Winnebago County has had 17 natural disasters declared since 1953, most often winter storms and floods.

Around Cherry Valley

Cherry Valley and the towns around it

Very lowLowModerateHighVery high

Rockfordmostly inland floodingModerate

Floramostly inland floodingLow

Cherry Valleymostly inland floodingLow

Monroemostly inland floodingLow

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. Cherry Valley covers 6 census tracts, combined by population.

Money that reached townFlood claims are matched to Cherry Valley’s own flood-insurance community (here, the census tracts inside it); household aid to the registrant’s city; repair grants to the Township of Cherry Valley. 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 Cherry Valley total about $7.3M 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.