Natural hazards · Hillcrest

Hillcrest, IL natural hazards

Most of the natural-hazard damage FEMA expects in Hillcrest comes from inland flooding, and overall the risk is low for a U.S. community. Flood insurance has paid 1 claim here since 1996. 3 federal disasters brought FEMA money into town.

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

Expected damage

How exposed is Hillcrest?

Low

vs. U.S. communities

FEMA expects yearly storm and flood damage to homes and buildings in Hillcrest 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 Hillcrest 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 Hillcrest flood?

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

1paid claims since 1996

$6Kpaid to owners

0homes flooded more than once

19962026

of homes in flood zones
are insured

of all homes
are insured

No community discount. Hillcrest 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 Hillcrest

3 federal disasters brought FEMA money here

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

Brought FEMA money into HillcrestDeclared for Ogle County only

2011

Severe Winter Storm and Snowstorm

$6K to the Village of Hillcrest for repairs

2008

Record Snow and Near Record Snow

$3K to the Village of Hillcrest for repairs

2006

Snow

$3K to the Village of Hillcrest for repairs

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

Around Hillcrest

Hillcrest and the towns around it

Very lowLowModerateHighVery high

Flaggmostly inland floodingModerate

Rochellemostly inland floodingModerate

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