Natural hazards · Roscoe

Roscoe, IL natural hazards

Most of the natural-hazard damage FEMA expects in Roscoe comes from inland flooding, and overall the risk is moderate for a U.S. community. Flood insurance has paid 108 claims here since 1978.

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

Expected damage

How exposed is Roscoe?

Moderate

vs. U.S. communities

FEMA expects yearly storm and flood damage to homes and buildings in Roscoe to be higher than in 54% of U.S. communities, mostly from inland flooding and cold waves.

Inland flooding59%Cold waves15%Tornadoes15%Everything else11%

By hazard

What Roscoe faces

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

Inland flooding

59% of expected damage

Above average · higher than 73% of U.S. places

Recorded about 2 times a year in the area

Cold waves

15% of expected damage

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

Recorded about 6 times a year in the area

Tornadoes

15% 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 Roscoe flood?

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

108paid claims since 1978

$1.2Mpaid to owners

0homes flooded more than once

19782026

Biggest named events

Midwest Flooding: 7 claims, $39K
Mid-spring storms: 4 claims, $90K

of homes in flood zones
are insured

of all homes
are insured

No community discount. Roscoe 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 Roscoe

Federal disasters declared here

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

Brought FEMA money into RoscoeDeclared for Winnebago County only

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

Around Roscoe

Roscoe and the towns around it

Very lowLowModerateHighVery high

Machesney Parkmostly inland floodingHigh

Harlemmostly inland floodingHigh

Rocktonmostly inland floodingHigh

Owenmostly inland floodingHigh

Rocktonmostly inland floodingHigh

Roscoemostly inland floodingModerate

Manchestermostly inland floodingLow

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. Roscoe covers 4 census tracts, combined by population.

Money that reached townFlood claims are matched to Roscoe’s own flood-insurance community (here, the census tracts inside it); household aid to the registrant’s city; repair grants to the Township of Roscoe. 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 Roscoe total about $9.1M 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.