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Natural hazards · Rockton

Rockton, IL natural hazards

Most of the natural-hazard damage FEMA expects in Rockton comes from inland flooding, and overall the risk is high for a U.S. community. Flood insurance has paid 5 claims here since 1978. 9 federal disasters brought FEMA money into town.

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

How exposed is Rockton?

65
High
vs. U.S. communities

FEMA expects yearly storm and flood damage to homes and buildings in Rockton to be higher than in 65% of U.S. communities, mostly from inland flooding and cold waves.

Inland flooding60%Cold waves16%Tornadoes14%Everything else10%
By hazard

What Rockton faces

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

Inland flooding

60% of expected damage
Well above average · higher than 82% of U.S. places
Recorded about 2 times a year 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

Tornadoes

14% of expected damage
Well above average · higher than 79% of U.S. places

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 Rockton flood?

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

5paid claims since 1978
$10Kpaid to owners
0homes flooded more than once
19782026

Biggest named events

  • Midwest Flooding: 1 claim, $423
of homes in flood zones
are insured
of all homes
are insured
No community discount. Rockton 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 Rockton

9 federal disasters brought FEMA money here

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

Brought FEMA money into RocktonDeclared for Winnebago County only
2024

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

11 households applied for aid $22K aid approved
2013

Severe Storms, Straight-Line Winds, and Flooding

2 households applied for aid $11K aid approved
2011

Severe Winter Storm and Snowstorm

$25K to the Village of Rockton for repairs
2010

Severe Storms and Flooding

1 household applied for aid $15K aid approved
2008

Severe Storms and Flooding

2 households applied for aid $80 aid approved $22K to the Village of Rockton for repairs
2008

Record Snow and Near Record Snow

$14K to the Village of Rockton for repairs
2007

Severe Storms and Flooding

3 households applied for aid
2006

Snow

$14K to the Village of Rockton for repairs
2000

Illinois Winter Snow Storms

$3K to the Village of Rockton for repairs
Winnebago County has had 17 natural disasters declared since 1953, most often winter storms and floods.
Around Rockton

Rockton and the towns around it

Roscoe: Moderate, mostly inland floodingSouth Beloit: High, mostly inland floodingRockton: High, mostly inland floodingRoscoe: Moderate, mostly inland floodingOwen: High, mostly inland floodingMachesney Park: High, mostly inland floodingHarlem: High, mostly inland floodingShirland: Very low, mostly inland floodingBeloit: Moderate, mostly inland floodingManchester: Low, mostly inland floodingRockford: Moderate, mostly inland floodingRockford: Moderate, mostly inland floodingLoves Park: Moderate, mostly inland floodingRockton: High, mostly inland flooding RocktonRoscoeSouth BeloitRocktonRoscoeOwen
Very lowLowModerateHighVery high
South Beloitmostly inland floodingHigh
Rocktonmostly inland floodingHigh
Owenmostly inland floodingHigh
Rocktonmostly inland floodingHigh
Roscoemostly inland floodingModerate
Roscoemostly 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. Rockton covers 1 census tract, combined by population.
Money that reached townFlood claims are matched to Rockton’s own flood-insurance community (here, the census tracts inside it); household aid to the registrant’s city; repair grants to the Village of Rockton. 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 Rockton total about $3.0M 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.

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