Natural hazards · Owen

Owen, IL natural hazards

Most of the natural-hazard damage FEMA expects in Owen comes from inland flooding, and overall the risk is high for a U.S. community. Flood insurance has paid 70 claims here since 1978.

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

Expected damage

How exposed is Owen?

High

vs. U.S. communities

FEMA expects yearly storm and flood damage to homes and buildings in Owen to be higher than in 66% of U.S. communities, mostly from inland flooding.

Inland flooding69%Tornadoes12%Cold waves10%Everything else9%

By hazard

What Owen faces

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

Inland flooding

69% of expected damage

Well above average · higher than 83% of U.S. places

Recorded about 2 times a year in the area

Tornadoes

12% of expected damage

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

Recorded about once every 31 years in the area

Cold waves

10% of expected damage

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

Recorded about 6 times a year in the area

Lower here

HurricanesHailIce 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 Owen flood?

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

70paid claims since 1978

$1.8Mpaid to owners

0homes flooded more than once

19782026

Biggest named events

Mid-spring storms: 3 claims, $47K

of homes in flood zones
are insured

of all homes
are insured

No community discount. Owen 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 Owen

Federal disasters declared here

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

Brought FEMA money into OwenDeclared for Winnebago County only

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

Around Owen

Owen and the towns around it

Very lowLowModerateHighVery high

Machesney Parkmostly inland floodingHigh

Owenmostly inland floodingHigh

Harlemmostly inland floodingHigh

Rocktonmostly inland floodingHigh

Roscoemostly inland floodingModerate

Rockfordmostly inland floodingModerate

Loves Parkmostly 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. Owen covers 1 census tract, combined by population.

Money that reached townFlood claims are matched to Owen’s own flood-insurance community (here, the census tracts inside it); household aid to the registrant’s city; repair grants to the Township of Owen. 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 Owen total about $4.6M 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.