Natural hazards · Pine Creek

Pine Creek, IL natural hazards

Most of the natural-hazard damage FEMA expects in Pine Creek comes from inland flooding, and overall the risk is low for a U.S. community. Flood insurance has paid 41 claims here since 1978.

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

Expected damage

How exposed is Pine Creek?

Low

vs. U.S. communities

FEMA expects yearly storm and flood damage to homes and buildings in Pine Creek to be higher than in 32% of U.S. communities, mostly from inland flooding and tornadoes.

Inland flooding52%Tornadoes16%Cold waves16%Hail6%Everything else10%

By hazard

What Pine Creek 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

Below average · higher than 45% of U.S. places

Recorded about once a year in the area

Tornadoes

16% of expected damage

Well above average · higher than 81% of U.S. places

Recorded about once every 23 years in the area

Cold waves

16% of expected damage

Well below average · higher than 20% 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 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 Pine Creek flood?

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

41paid claims since 1978

$307Kpaid to owners

0homes flooded more than once

19782026

Biggest named events

Mid-spring storms: 1 claim, $7K

of homes in flood zones
are insured

of all homes
are insured

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

Insurance rates: Ogle County.

Disasters that hit Pine Creek

Federal disasters declared here

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

Brought FEMA money into Pine CreekDeclared for Ogle County only

Ogle County has had 12 natural disasters declared since 1953, most often winter storms and floods.

Around Pine Creek

Pine Creek and the towns around it

Very lowLowModerateHighVery high

Oregon-Nashuamostly inland floodingHigh

Pine Creekmostly inland floodingLow

Grand Detourmostly inland floodingLow

Mount Morrismostly inland floodingVery low

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. Pine Creek covers 1 census tract, combined by population.

Money that reached townFlood claims are matched to Pine Creek’s own flood-insurance community (here, the census tracts inside it); household aid to the registrant’s city; repair grants to the Township of Pine Creek. 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 Pine Creek total about $2.7M 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.