Natural hazards · Flagg

Flagg, IL natural hazards

Most of the natural-hazard damage FEMA expects in Flagg comes from inland flooding, and overall the risk is moderate for a U.S. community. Flood insurance has paid 16 claims here since 1993. 2 federal disasters brought FEMA money into town.

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

Expected damage

How exposed is Flagg?

Moderate

vs. U.S. communities

FEMA expects yearly storm and flood damage to homes and buildings in Flagg to be higher than in 59% of U.S. communities, mostly from inland flooding and cold waves.

Inland flooding57%Cold waves17%Tornadoes13%Everything else13%

By hazard

What Flagg faces

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

Inland flooding

57% of expected damage

Well above average · higher than 75% of U.S. places

Recorded about once a year in the area

Cold waves

17% of expected damage

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

Recorded about 6 times a year in the area

Tornadoes

13% of expected damage

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

Recorded about once every 54 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 Flagg flood?

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

16paid claims since 1993

$126Kpaid to owners

0homes flooded more than once

19932026

of homes in flood zones
are insured

of all homes
are insured

No community discount. Flagg 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 Flagg

2 federal disasters brought FEMA money here

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

Brought FEMA money into FlaggDeclared for Ogle County only

2008

Record Snow and Near Record Snow

$10K to the Township of Flagg for repairs

2000

Illinois Winter Snow Storms

$8K to the Township of Flagg for repairs

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

Around Flagg

Flagg and the towns around it

Very lowLowModerateHighVery high

Flaggmostly inland floodingModerate

Lafayettemostly inland floodingModerate

Reynoldsmostly inland floodingModerate

Rochellemostly inland floodingModerate

Dementmostly inland floodingLow

Hillcrestmostly inland floodingLow

White Rockmostly 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. Flagg covers 2 census tracts, combined by population.

Money that reached townFlood claims are matched to Flagg’s own flood-insurance community (here, the census tracts inside it); household aid to the registrant’s city; repair grants to the Township of Flagg. 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 Flagg total about $5.8M 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.