Natural hazards · Mount Carroll

Mount Carroll, IL natural hazards

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

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

Expected damage

How exposed is Mount Carroll?

Moderate

vs. U.S. communities

FEMA expects yearly storm and flood damage to homes and buildings in Mount Carroll to be higher than in 52% of U.S. communities, mostly from inland flooding.

Inland flooding52%Tornadoes12%Drought11%Strong wind9%Cold waves8%Hail6%Everything else3%

By hazard

What Mount Carroll 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 62% of U.S. places

Recorded about once a year in the area

Tornadoes

12% of expected damage

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

Recorded about once every 8 years in the area

Drought

11% of expected damage

Recorded about 12 times a year in the area

Strong wind

9% of expected damage

Well above average · higher than 98% of U.S. places

Recorded about 6 times a year in the area

Cold waves

8% of expected damage

Well below average · higher than 22% of U.S. places

Recorded about 6 times a year in the area

Hail

6% 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 wavesWildfireEarthquakesLandslidesLightning

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 Mount Carroll flood?

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

of homes in flood zones
are insured

of all homes
are insured

No community discount. Mount Carroll isn’t in FEMA’s Community Rating System, which cuts flood insurance up to 45% in towns that do extra flood-proofing.

Insurance rates: Carroll County.

Disasters that hit Mount Carroll

Federal disasters declared here

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

Brought FEMA money into Mount CarrollDeclared for Carroll County only

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

Around Mount Carroll

Mount Carroll and the towns around it

Very lowLowModerateHighVery high

Savannamostly inland floodingVery high

Yorkmostly inland floodingModerate

Mount Carrollmostly inland floodingModerate

Woodlandmostly inland floodingModerate

Freedommostly inland floodingModerate

Salemmostly inland floodingModerate

Mount Carrollmostly inland floodingModerate

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. Mount Carroll 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 Mount Carroll’s own flood-insurance community; household aid to the registrant’s city; repair grants to the Township of Mount Carroll. 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.