Natural hazards · Hanover

Hanover, IL natural hazards

Most of the natural-hazard damage FEMA expects in Hanover comes from inland flooding, and overall the risk is moderate for a U.S. community. Flood insurance has paid 1 claim here since 2011. 1 federal disaster brought FEMA money into town.

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

Expected damage

How exposed is Hanover?

Moderate

vs. U.S. communities

FEMA expects yearly storm and flood damage to homes and buildings in Hanover to be higher than in 46% of U.S. communities, mostly from inland flooding.

Inland flooding55%Tornadoes13%Cold waves13%Hail7%Everything else12%

By hazard

What Hanover 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

Above average · higher than 60% of U.S. places

Recorded about 2 times a year in the area

Tornadoes

13% of expected damage

Well above average · higher than 88% of U.S. places

Recorded about once every 7 years in the area

Cold waves

13% of expected damage

Below average · higher than 30% of U.S. places

Recorded about 7 times a year in the area

Hail

7% of expected damage

Well above average · higher than 90% 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 Hanover flood?

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

1paid claims since 2011

$13Kpaid to owners

0homes flooded more than once

20112026

of homes in flood zones
are insured

of all homes
are insured

No community discount. Hanover 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 Hanover

1 federal disaster brought FEMA money here

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

Brought FEMA money into HanoverDeclared for Jo Daviess County only

2010

Severe Storms and Flooding

7 households applied for aid $14K aid approved

Jo Daviess County has had 14 natural disasters declared since 1953, most often floods and winter storms.

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. Hanover 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 Hanover’s own flood-insurance community; household aid to the registrant’s city; repair grants to the Village of Hanover. 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.