Natural hazards · Ridgefield

Ridgefield, IL natural hazards

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

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

Expected damage

How exposed is Ridgefield?

Very low

vs. U.S. communities

FEMA expects yearly storm and flood damage to homes and buildings in Ridgefield to be higher than in 10% of U.S. communities, mostly from inland flooding and tornadoes.

Inland flooding48%Tornadoes24%Cold waves19%Everything else9%

By hazard

What Ridgefield faces

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

Inland flooding

48% of expected damage

Well below average · higher than 20% of U.S. places

Recorded about once a year in the area

Tornadoes

24% of expected damage

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

Recorded about once every 66 years in the area

Cold waves

19% of expected damage

Below average · higher than 31% 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 Ridgefield flood?

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

of homes in flood zones
are insured

of all homes
are insured

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

Insurance rates: McHenry County.

Disasters that hit Ridgefield

Federal disasters declared here

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

Brought FEMA money into RidgefieldDeclared for McHenry County only

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

Around Ridgefield

Ridgefield and the towns around it

Very lowLowModerateHighVery high

Nundamostly inland floodingHigh

Crystal Lakemostly inland floodingLow

Ridgefieldmostly inland floodingVery low

Dorrmostly 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. Ridgefield 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 Ridgefield’s own flood-insurance community; household aid to the registrant’s city; repair grants to Ridgefield. 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.