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. Flood insurance has paid 4 claims here since 1990. 3 federal disasters brought FEMA money into town.

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 40% of U.S. communities, mostly from inland flooding.

Inland flooding45%Tornadoes13%Cold waves11%Strong wind10%Drought10%Hail6%Everything else4%

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

45% of expected damage

Below average · higher than 46% of U.S. places

Recorded about once a year in the area

Tornadoes

13% of expected damage

Well above average · higher than 84% of U.S. places

Recorded about once every 25 years in the area

Cold waves

11% of expected damage

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

Recorded about 6 times a year in the area

Strong wind

10% of expected damage

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

Recorded about 6 times a year in the area

Drought

10% of expected damage

Recorded about 12 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?

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

4paid claims since 1990

$72Kpaid to owners

1homes flooded more than once

19902026

Homes that flooded again and again

■ FEMA “severe repetitive loss” (0) ■ flooded 2+ times

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

3 federal disasters brought FEMA money here

Disasters the President declared that paid out in Mount Carroll itself: aid to households, or repair grants to the City of Mount Carroll.

Brought FEMA money into Mount CarrollDeclared for Carroll County only

2011

Severe Winter Storm and Snowstorm

$6K to the City of Mount Carroll for repairs

2010

Severe Storms and Flooding

35 households applied for aid $150K aid approved $11K to the City of Mount Carroll for repairs

2008

Record Snow and Near Record Snow

$8K to the City of Mount Carroll for repairs

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

Mount Carrollmostly inland floodingModerate

Freedommostly inland floodingModerate

Woodlandmostly inland floodingModerate

Mount Carrollmostly inland floodingModerate

Salemmostly 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 City 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.