Natural hazards · Shabbona

Shabbona, IL natural hazards

Most of the natural-hazard damage FEMA expects in Shabbona comes from inland flooding, and overall the risk is very low for a U.S. community. Flood insurance has paid 2 claims here since 1996. 3 federal disasters brought FEMA money into town.

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

Expected damage

How exposed is Shabbona?

Very low

vs. U.S. communities

FEMA expects yearly storm and flood damage to homes and buildings in Shabbona to be higher than in 15% of U.S. communities, mostly from inland flooding and cold waves.

Inland flooding41%Cold waves24%Tornadoes16%Drought10%Everything else9%

By hazard

What Shabbona faces

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

Inland flooding

41% of expected damage

Below average · higher than 27% of U.S. places

Recorded about once a year in the area

Cold waves

24% of expected damage

Well below average · higher than 22% of U.S. places

Recorded about 6 times a year in the area

Tornadoes

16% of expected damage

Well above average · higher than 78% of U.S. places

Recorded about once every 8 years in the area

Drought

10% of expected damage

Recorded about 9 times a year in the area

Lower here

HurricanesHailIce stormsWinter weatherHeat wavesWildfireEarthquakesLandslidesStrong windLightning

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 Shabbona flood?

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

2paid claims since 1996

$7Kpaid to owners

0homes flooded more than once

19962026

of homes in flood zones
are insured

of all homes
are insured

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

Insurance rates: DeKalb County.

Disasters that hit Shabbona

3 federal disasters brought FEMA money here

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

Brought FEMA money into ShabbonaDeclared for DeKalb County only

2013

Severe Storms, Straight-Line Winds, and Flooding

1 household applied for aid $7K aid approved

2008

Severe Storms and Flooding

11 households applied for aid $25K aid approved

2007

Severe Storms and Flooding

2 households applied for aid $5K aid approved

DeKalb County has had 10 natural disasters declared since 1953, most often floods and winter storms.

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. Shabbona is smaller than a census tract, so it shares the figures of the tract around its center.

Money that reached townFlood claims are matched to Shabbona’s own flood-insurance community; household aid to the registrant’s city; repair grants to the Village of Shabbona. FEMA’s model follows property values, so a place that recently lost many homes can rate lower than it feels.

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.

Shabbona, IL natural hazards

How exposed is Shabbona?

What Shabbona faces

Inland flooding

Cold waves

Tornadoes

Drought

Lower here

Not a risk here

Does Shabbona flood?

3 federal disasters brought FEMA money here

Severe Storms, Straight-Line Winds, and Flooding

Severe Storms and Flooding

Severe Storms and Flooding

How to read this page

Where to, neighbor?

Matches

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