Natural hazards · Rio

Rio, IL natural hazards

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

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

Expected damage

How exposed is Rio?

Moderate

vs. U.S. communities

FEMA expects yearly storm and flood damage to homes and buildings in Rio to be higher than in 59% of U.S. communities, mostly from inland flooding and strong winds.

Inland flooding27%Strong wind17%Drought15%Cold waves13%Tornadoes11%Hail6%Everything else11%

By hazard

What Rio faces

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

Inland flooding

27% of expected damage

Above average · higher than 63% of U.S. places

Recorded about once a year in the area

Strong wind

17% of expected damage

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

Recorded about 6 times a year in the area

Drought

15% of expected damage

Recorded about 9 times a year in the area

Cold waves

13% of expected damage

Above average · higher than 62% of U.S. places

Recorded about 6 times a year in the area

Tornadoes

11% of expected damage

Well above average · higher than 90% of U.S. places

Recorded about once every 5 years in the area

Hail

6% of expected damage

Well above average · higher than 94% of U.S. places

Recorded about 4 times a year in the area

Lower here

HurricanesIce stormsWinter weatherWildfireEarthquakesLandslidesLightning

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 Rio flood?

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

of homes in flood zones
are insured

of all homes
are insured

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

Insurance rates: Knox County.

Disasters that hit Rio

Federal disasters declared here

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

Brought FEMA money into RioDeclared for Knox County only

Knox County has had 9 natural disasters declared since 1953, most often floods and winter storms.

Around Rio

Rio and the towns around it

Very lowLowModerateHighVery high

Hendersonmostly inland floodingHigh

Kellymostly droughtHigh

Riomostly inland floodingModerate

Ontariomostly inland floodingModerate

North Hendersonmostly inland floodingModerate

Oxfordmostly 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. Rio 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 Rio’s own flood-insurance community; household aid to the registrant’s city; repair grants to the Township of Rio. 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.