Natural hazards · Pecatonica

Pecatonica, IL natural hazards

Most of the natural-hazard damage FEMA expects in Pecatonica comes from inland flooding, and overall the risk is very low for a U.S. community. Flood insurance has paid 1 claim here since 2010. 6 federal disasters brought FEMA money into town.

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

Expected damage

How exposed is Pecatonica?

Very low

vs. U.S. communities

FEMA expects yearly storm and flood damage to homes and buildings in Pecatonica to be higher than in 15% of U.S. communities, mostly from inland flooding and tornadoes.

Inland flooding47%Tornadoes19%Cold waves16%Hail6%Everything else12%

By hazard

What Pecatonica faces

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

Inland flooding

47% of expected damage

Well below average · higher than 21% of U.S. places

Recorded about 2 times a year in the area

Tornadoes

19% of expected damage

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

Recorded about once every 17 years in the area

Cold waves

16% of expected damage

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

Recorded about 6 times a year in the area

Hail

6% of expected damage

Well above average · higher than 85% of U.S. places

Recorded about 5 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 Pecatonica flood?

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

1paid claims since 2010

$39Kpaid to owners

0homes flooded more than once

20102026

of homes in flood zones
are insured

of all homes
are insured

No community discount. Pecatonica 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 Pecatonica

6 federal disasters brought FEMA money here

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

Brought FEMA money into PecatonicaDeclared for Winnebago County only

2024

Severe Storms, Tornadoes, Straight-Line Winds, and Floodng

5 households applied for aid $573 aid approved

2013

Severe Storms, Straight-Line Winds, and Flooding

1 household applied for aid

2010

Severe Storms and Flooding

32 households applied for aid $96K aid approved

2008

Record Snow and Near Record Snow

$14K to the Village of Pecatonica for repairs

2006

Snow

$9K to the Village of Pecatonica for repairs

2000

Illinois Winter Snow Storms

$6K to the Village of Pecatonica for repairs

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

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