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Natural hazards · Council Hill

Council Hill, IL natural hazards

Most of the natural-hazard damage FEMA expects in Council Hill comes from inland flooding, and overall the risk is low for a U.S. community. 3 federal disasters brought FEMA money into town.

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

How exposed is Council Hill?

36
Low
vs. U.S. communities

FEMA expects yearly storm and flood damage to homes and buildings in Council Hill to be higher than in 36% of U.S. communities, mostly from inland flooding and tornadoes.

Inland flooding55%Tornadoes15%Cold waves12%Hail8%Everything else10%
By hazard

What Council Hill faces

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

Inland flooding

55% of expected damage
Below average · higher than 46% of U.S. places
Recorded about 2 times a year in the area

Tornadoes

15% of expected damage
Well above average · higher than 88% of U.S. places
Recorded about once every 16 years in the area

Cold waves

12% of expected damage
Below average · higher than 30% of U.S. places
Recorded about 7 times a year 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 Council Hill flood?

FEMA's records show no paid flood insurance claims in Council Hill.

of homes in flood zones
are insured
of all homes
are insured
No community discount. Council Hill 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 Council Hill

3 federal disasters brought FEMA money here

Disasters the President declared that paid out in Council Hill itself: aid to households, or repair grants to the Township of Council Hill.

Brought FEMA money into Council HillDeclared for Jo Daviess County only
2010

Severe Storms and Flooding

$34K to the Township of Council Hill for repairs
2008

Record Snow and Near Record Snow

$1K to the Township of Council Hill for repairs
1999

Severe Storms and Flash Flooding

$22K to the Township of Council Hill for repairs
Jo Daviess County has had 14 natural disasters declared since 1953, most often floods and winter storms.
Around Council Hill

Council Hill and the towns around it

Scales Mound: Low, mostly inland floodingNew Diggings: Low, mostly cold wavesVinegar Hill: Low, mostly inland floodingEast Galena: Moderate, mostly inland floodingGuilford: Low, mostly inland floodingRawlins: Moderate, mostly inland floodingBenton: Low, mostly cold wavesWhite Oak Springs: Low, mostly cold wavesMonticello: Low, mostly cold wavesApple River: Low, mostly inland floodingShullsburg: Low, mostly cold wavesSeymour: Low, mostly cold wavesElk Grove: Low, mostly cold wavesHazel Green: Very low, mostly inland floodingMenominee: Low, mostly inland floodingWest Galena: Moderate, mostly inland floodingGalena: Moderate, mostly inland floodingRice: Moderate, mostly inland floodingThe Galena Territory: Low, mostly inland floodingThompson: Low, mostly inland floodingElizabeth: Moderate, mostly inland floodingCuba City: Very low, mostly inland floodingHazel Green: Very low, mostly inland floodingSmelser: Very low, mostly inland floodingCouncil Hill: Low, mostly inland flooding Council HillScales MoundNew DiggingsVinegar HillEast GalenaGuilfordRawlinsBenton
Very lowLowModerateHighVery high
East Galenamostly inland floodingModerate
Rawlinsmostly inland floodingModerate
Council Hillmostly inland floodingLow
Scales Moundmostly inland floodingLow
Bentonmostly cold wavesLow
Vinegar Hillmostly inland floodingLow
Guilfordmostly inland floodingLow
New Diggingsmostly 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. Council Hill 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 Council Hill’s own flood-insurance community; household aid to the registrant’s city; repair grants to the Township of Council Hill. 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.

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Boundary source: https://tigerweb.geo.census.gov/arcgis/rest/services/TIGERweb/Places_CouSub_ConCity_SubMCD/MapServer/15 · 2025-01-01
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