Natural hazards · Dement

Dement, IL natural hazards

Most of the natural-hazard damage FEMA expects in Dement comes from inland flooding, and overall the risk is low for a U.S. community. Flood insurance has paid 22 claims here since 1979. 1 federal disaster brought FEMA money into town.

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

Expected damage

How exposed is Dement?

Low

vs. U.S. communities

FEMA expects yearly storm and flood damage to homes and buildings in Dement to be higher than in 39% of U.S. communities, mostly from inland flooding and cold waves.

Inland flooding52%Cold waves16%Tornadoes15%Hail5%Everything else12%

By hazard

What Dement 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 53% of U.S. places

Recorded about once a year in the area

Cold waves

16% of expected damage

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

Recorded about 6 times a year in the area

Tornadoes

15% of expected damage

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

Recorded about once every 29 years in the area

Hail

5% of expected damage

Well above average · higher than 87% 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 Dement flood?

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

22paid claims since 1979

$111Kpaid to owners

0homes flooded more than once

19792026

Biggest named events

Mid-spring storms: 1 claim, $4K

of homes in flood zones
are insured

of all homes
are insured

No community discount. Dement 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 Dement

1 federal disaster brought FEMA money here

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

Brought FEMA money into DementDeclared for Ogle County only

2011

Severe Winter Storm and Snowstorm

$3K to the Township of Dement for repairs

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

Around Dement

Dement and the towns around it

Very lowLowModerateHighVery high

Flaggmostly inland floodingModerate

Altomostly inland floodingModerate

Rochellemostly inland floodingModerate

Dementmostly inland floodingLow

Lynnvillemostly inland floodingLow

Maltamostly inland floodingLow

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. Dement covers 1 census tract, combined by population.

Money that reached townFlood claims are matched to Dement’s own flood-insurance community (here, the census tracts inside it); household aid to the registrant’s city; repair grants to the Township of Dement. 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 Dement total about $2.1M 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.