Natural hazards · Scott

Scott, IL natural hazards

Most of the natural-hazard damage FEMA expects in Scott comes from inland flooding, and overall the risk is moderate for a U.S. community. Flood insurance has paid 1 claim here since 2017.

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

Expected damage

How exposed is Scott?

Moderate

vs. U.S. communities

FEMA expects yearly storm and flood damage to homes and buildings in Scott to be higher than in 44% of U.S. communities, mostly from inland flooding and cold waves.

Inland flooding55%Cold waves16%Tornadoes15%Hail5%Everything else10%

By hazard

What Scott faces

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

Inland flooding

55% of expected damage

Above average · higher than 60% of U.S. places

Recorded about once a year in the area

Cold waves

16% of expected damage

Well below average · higher than 20% of U.S. places

Recorded about 6 times a year in the area

Tornadoes

15% of expected damage

Well above average · higher than 82% of U.S. places

Recorded about once every 39 years in the area

Hail

5% of expected damage

Well above average · higher than 87% of U.S. places

Recorded about 4 times a year in the area

Lower here

HurricanesIce 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 Scott flood?

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

1paid claims since 2017

$22Kpaid to owners

0homes flooded more than once

20172026

of homes in flood zones
are insured

of all homes
are insured

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

Insurance rates: Ogle County.

Disasters that hit Scott

Federal disasters declared here

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

Brought FEMA money into ScottDeclared for Ogle County only

Ogle County has had 12 natural disasters declared since 1953, most often winter storms and floods.

Around Scott

Scott and the towns around it

Very lowLowModerateHighVery high

Marionmostly inland floodingHigh

Rockfordmostly inland floodingModerate

Scottmostly inland floodingModerate

Monroemostly inland floodingLow

White Rockmostly 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. Scott covers 1 census tract, combined by population.

Money that reached townFlood claims are matched to Scott’s own flood-insurance community (here, the census tracts inside it); household aid to the registrant’s city; repair grants to the Township of Scott. 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 Scott total about $2.1M 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.