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Natural hazards · Janesville

Janesville, IL natural hazards

Most of the natural-hazard damage FEMA expects in Janesville comes from inland flooding, and overall the risk is high for a U.S. community.

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

How exposed is Janesville?

71
High
vs. U.S. communities

FEMA expects yearly storm and flood damage to homes and buildings in Janesville to be higher than in 71% of U.S. communities, mostly from inland flooding.

Inland flooding57%Drought14%Tornadoes8%Cold waves7%Earthquakes7%Everything else8%
By hazard

What Janesville 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 84% of U.S. places
Recorded about 2 times a year in the area

Drought

14% of expected damage
Recorded about 2 times a year in the area

Tornadoes

8% of expected damage
Well above average · higher than 79% of U.S. places
Recorded about once every 8 years in the area

Cold waves

7% of expected damage
Above average · higher than 53% of U.S. places
Recorded about 2 times a year in the area

Earthquakes

7% of expected damage
Well above average · higher than 78% of U.S. places

Lower here

HurricanesHailIce stormsWinter weatherHeat wavesWildfireLandslidesStrong windLightning

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 Janesville flood?

FEMA's records show no paid flood insurance claims in Janesville.

of homes in flood zones
are insured
of all homes
are insured
No community discount. Janesville isn’t in FEMA’s Community Rating System, which cuts flood insurance up to 45% in towns that do extra flood-proofing.
Insurance rates: Coles County.
Disasters that hit Janesville

Federal disasters declared here

None of the disasters declared for Coles County shows FEMA aid or repair money reaching Janesville itself in FEMA’s records.

Brought FEMA money into JanesvilleDeclared for Coles County only
Coles County has had 7 natural disasters declared since 1953, most often severe storms and tornadoes.
Around Janesville

Janesville and the towns around it

Pleasant Grove: High, mostly inland floodingCottonwood: High, mostly inland floodingHutton: High, mostly inland floodingCharleston: High, mostly inland floodingLafayette: High, mostly inland floodingParadise: High, mostly inland floodingNeoga: High, mostly inland floodingUnion: High, mostly inland floodingSumpter: High, mostly inland floodingJanesville: High, mostly inland flooding JanesvillePleasant GroveCottonwood
Very lowLowModerateHighVery high
Janesvillemostly inland floodingHigh
Pleasant Grovemostly inland floodingHigh
Cottonwoodmostly inland floodingHigh
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. Janesville 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 Janesville’s own flood-insurance community; household aid to the registrant’s city; repair grants to Janesville. 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.

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Boundary source: https://tigerweb.geo.census.gov/arcgis/rest/services/TIGERweb/Places_CouSub_ConCity_SubMCD/MapServer/19 · 2025-01-01
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