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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 39 claims here since 1978. 8 federal disasters brought FEMA money into town.

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

How exposed is Roscoe?

40
Moderate
vs. U.S. communities

FEMA expects yearly storm and flood damage to homes and buildings in Roscoe to be higher than in 40% of U.S. communities, mostly from inland flooding and cold waves.

Inland flooding50%Cold waves19%Tornadoes18%Everything else13%
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

50% of expected damage
Above average · higher than 59% of U.S. places
Recorded about 2 times a year in the area

Cold waves

19% of expected damage
Below average · higher than 29% of U.S. places
Recorded about 6 times a year in the area

Tornadoes

18% 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.

39paid claims since 1978
$246Kpaid to owners
4homes flooded more than once
19782026

Biggest named events

  • Midwest Flooding: 2 claims, $22K
  • Mid-spring storms: 1 claim, $4K

Homes that flooded again and again

■ FEMA “severe repetitive loss” (0) ■ flooded 2+ times

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.

What’s been done with FEMA grants

12flood-prone properties bought out and cleared
Disasters that hit Roscoe

8 federal disasters brought FEMA money here

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

Brought FEMA money into RoscoeDeclared for Winnebago County only
2024

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

11 households applied for aid $7K aid approved
2013

Severe Storms, Straight-Line Winds, and Flooding

7 households applied for aid $25K aid approved
2011

Severe Winter Storm and Snowstorm

$22K to the Village of Roscoe for repairs
2010

Severe Storms and Flooding

9 households applied for aid $18K aid approved
2008

Severe Storms and Flooding

29 households applied for aid $137K aid approved $106K to the Village of Roscoe for repairs
2008

Record Snow and Near Record Snow

$10K to the Village of Roscoe for repairs
2007

Severe Storms and Flooding

2 households applied for aid $503 aid approved
2006

Snow

$13K to the Village of Roscoe for repairs
Winnebago County has had 17 natural disasters declared since 1953, most often winter storms and floods.
Around Roscoe

Roscoe and the towns around it

South Beloit: High, mostly inland floodingRockton: High, mostly inland floodingMachesney Park: High, mostly inland floodingRoscoe: Moderate, mostly inland floodingHarlem: High, mostly inland floodingRockton: High, mostly inland floodingOwen: High, mostly inland floodingLoves Park: Moderate, mostly inland floodingRockford: Moderate, mostly inland floodingManchester: Low, mostly inland floodingCaledonia: Low, mostly inland floodingRockford: Moderate, mostly inland floodingShirland: Very low, mostly inland floodingBeloit: Moderate, mostly inland floodingRoscoe: Moderate, mostly inland flooding RoscoeSouth BeloitRocktonMachesney ParkRoscoeHarlemRockton
Very lowLowModerateHighVery high
Machesney Parkmostly inland floodingHigh
South Beloitmostly inland floodingHigh
Harlemmostly inland floodingHigh
Rocktonmostly 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. Roscoe covers 3 census tracts, combined by population.
Money that reached townFlood claims are matched to Roscoe’s own flood-insurance community; household aid to the registrant’s city; repair grants to the Village 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 $4.8M 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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Boundary source: https://tigerweb.geo.census.gov/arcgis/rest/services/TIGERweb/Places_CouSub_ConCity_SubMCD/MapServer/18 · 2025-01-01
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