Natural hazards · Harrison

Harrison, IL natural hazards

Most of the natural-hazard damage FEMA expects in Harrison comes from inland flooding, and overall the risk is very low for a U.S. community. Flood insurance has paid 2 claims here since 1996. 1 federal disaster brought FEMA money into town.

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

Expected damage

How exposed is Harrison?

Very low

vs. U.S. communities

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

Inland flooding53%Tornadoes18%Cold waves13%Hail6%Everything else11%

By hazard

What Harrison faces

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

Inland flooding

53% of expected damage

Well below average · higher than 24% of U.S. places

Recorded about 2 times a year in the area

Tornadoes

18% of expected damage

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

Recorded about once every 12 years in the area

Cold waves

13% of expected damage

Below average · higher than 29% of U.S. places

Recorded about 6 times a year in the area

Hail

6% 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 Harrison flood?

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

2paid claims since 1996

$47Kpaid to owners

0homes flooded more than once

19962026

of homes in flood zones
are insured

of all homes
are insured

No community discount. Harrison 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 Harrison

1 federal disaster brought FEMA money here

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

Brought FEMA money into HarrisonDeclared for Winnebago County only

2008

Severe Storms and Flooding

$4K to the Township of Harrison for repairs

Winnebago County has had 17 natural disasters declared since 1953, most often winter storms and floods.

Around Harrison

Harrison and the towns around it

Very lowLowModerateHighVery high

Burrittmostly inland floodingVery low

Harrisonmostly inland floodingVery low

Shirlandmostly inland floodingVery low

Laonamostly inland floodingVery low

Durandmostly 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. Harrison covers 1 census tract, combined by population.

Money that reached townFlood claims are matched to Harrison’s own flood-insurance community (here, the census tracts inside it); household aid to the registrant’s city; repair grants to the Township of Harrison. 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 Harrison total about $2.9M 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.