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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 very low for a U.S. community. Flood insurance has paid 4 claims here since 1999. 7 federal disasters brought FEMA money into town.

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

How exposed is Cherry Valley?

17
Very low
vs. U.S. communities

FEMA expects yearly storm and flood damage to homes and buildings in Cherry Valley to be higher than in 17% of U.S. communities, mostly from inland flooding and tornadoes.

Inland flooding46%Tornadoes20%Cold waves18%Hail5%Everything else10%
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

46% of expected damage
Below average · higher than 25% of U.S. places
Recorded about 2 times a year in the area

Tornadoes

20% of expected damage
Well above average · higher than 79% of U.S. places

Cold waves

18% of expected damage
Below average · higher than 29% of U.S. places
Recorded about 6 times a year in the area

Hail

5% of expected damage
Well above average · higher than 85% of U.S. places
Recorded about 5 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 Cherry Valley flood?

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

4paid claims since 1999
$28Kpaid to owners
0homes flooded more than once
19992026
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

7 federal disasters brought FEMA money here

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

Brought FEMA money into Cherry ValleyDeclared for Winnebago County only
2024

Severe Storms, Tornadoes, Straight-Line Winds, and Floodng

17 households applied for aid $22K aid approved
2011

Severe Winter Storm and Snowstorm

$8K to the Village of Cherry Valley for repairs
2010

Severe Storms and Flooding

1 household applied for aid
2008

Record Snow and Near Record Snow

$9K to the Village of Cherry Valley for repairs
2007

Severe Storms and Flooding

22 households applied for aid $291K aid approved
2006

Snow

$7K to the Village of Cherry Valley for repairs
2000

Illinois Winter Snow Storms

$3K to the Village of Cherry Valley for repairs
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

Rockford: Moderate, mostly inland floodingBelvidere: Moderate, mostly inland floodingCherry Valley: Low, mostly inland floodingRockford: Moderate, mostly inland floodingLoves Park: Moderate, mostly inland floodingNew Milford: Moderate, mostly inland floodingOwen: High, mostly inland floodingMachesney Park: High, mostly inland floodingHarlem: High, mostly inland floodingFlora: Low, mostly inland floodingMonroe: Low, mostly inland floodingWinnebago: Very low, mostly inland floodingBelvidere: Moderate, mostly inland floodingScott: Moderate, mostly inland floodingByron: High, mostly inland floodingMarion: High, mostly inland floodingCherry Valley: Very low, mostly inland flooding Cherry ValleyRockfordBelvidereCherry ValleyRockford
Very lowLowModerateHighVery high
Belvideremostly inland floodingModerate
Rockfordmostly inland floodingModerate
Rockfordmostly inland floodingModerate
Cherry Valleymostly 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 1 census tract, combined by population.
Money that reached townFlood claims are matched to Cherry Valley’s own flood-insurance community; household aid to the registrant’s city; repair grants to the Village 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 $1.3M 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.

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Boundary source: https://tigerweb.geo.census.gov/arcgis/rest/services/TIGERweb/Places_CouSub_ConCity_SubMCD/MapServer/18 · 2025-01-01
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