Natural hazards · Rosedale

Rosedale, IL natural hazards

Most of the natural-hazard damage FEMA expects in Rosedale comes from inland flooding, and overall the risk is very high for a U.S. community. Flood insurance has paid 960 claims here since 1978. 1 federal disaster brought FEMA money into town.

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

Expected damage

How exposed is Rosedale?

Very high

vs. U.S. communities

FEMA expects yearly storm and flood damage to homes and buildings in Rosedale to be higher than in 89% of U.S. communities, mostly from inland flooding.

Inland flooding61%Heat waves13%Cold waves9%Tornadoes7%Everything else11%

By hazard

What Rosedale faces

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

Inland flooding

61% of expected damage

Well above average · higher than 97% of U.S. places

Recorded about once a year in the area

Heat waves

13% of expected damage

Well above average · higher than 75% of U.S. places

Recorded about 11 times a year in the area

Cold waves

9% of expected damage

Well below average · higher than 18% of U.S. places

Recorded about 2 times a year in the area

Tornadoes

7% of expected damage

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

Recorded about once every 21 years in the area

Lower here

HurricanesHailIce stormsWinter weatherWildfireEarthquakesLandslidesStrong 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 Rosedale flood?

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

960paid claims since 1978

$15.4Mpaid to owners

0homes flooded more than once

19782026

Biggest named events

Midwest Flooding: 134 claims, $3.3M
Early winter storms: 14 claims, $236K
Mid-spring storms: 12 claims, $467K

of homes in flood zones
are insured

of all homes
are insured

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

Insurance rates: Jersey County.

Disasters that hit Rosedale

1 federal disaster brought FEMA money here

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

Brought FEMA money into RosedaleDeclared for Jersey County only

2002

Severe Storms, Tornadoes and Flooding

$10K to the Township of Rosedale for repairs

Jersey County has had 18 natural disasters declared since 1953, most often floods and severe storms.

Around Rosedale

Rosedale and the towns around it

Very lowLowModerateHighVery high

Rosedalemostly inland floodingVery high

Quarrymostly inland floodingVery high

Richwoodmostly inland floodingHigh

Otter Creekmostly inland floodingHigh

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. Rosedale covers 1 census tract, combined by population.

Money that reached townFlood claims are matched to Rosedale’s own flood-insurance community (here, the census tracts inside it); household aid to the registrant’s city; repair grants to the Township of Rosedale. 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 Rosedale total about $1.2M 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.