Natural hazards · Virgil

Virgil, IL natural hazards

Most of the natural-hazard damage FEMA expects in Virgil comes from inland flooding, and overall the risk is low for a U.S. community. 1 federal disaster brought FEMA money into town.

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

Expected damage

How exposed is Virgil?

Low

vs. U.S. communities

FEMA expects yearly storm and flood damage to homes and buildings in Virgil to be higher than in 27% of U.S. communities, mostly from inland flooding and cold waves.

Inland flooding56%Cold waves16%Tornadoes16%Drought6%Everything else6%

By hazard

What Virgil faces

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

Inland flooding

56% of expected damage

Below average · higher than 47% of U.S. places

Recorded about 2 times a year in the area

Cold waves

16% of expected damage

Well below average · higher than 24% of U.S. places

Recorded about 6 times a year in the area

Tornadoes

16% of expected damage

Well above average · higher than 81% of U.S. places

Recorded about once every 11 years in the area

Drought

6% of expected damage

Recorded about 8 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 Virgil flood?

FEMA's records show no paid flood insurance claims in Virgil.

of homes in flood zones
are insured

of all homes
are insured

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

Insurance rates: Kane County.

Disasters that hit Virgil

1 federal disaster brought FEMA money here

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

Brought FEMA money into VirgilDeclared for Kane County only

2000

Illinois Winter Snow Storms

$825 to the Village of Virgil for repairs

Kane County has had 14 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. Virgil 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 Virgil’s own flood-insurance community; household aid to the registrant’s city; repair grants to the Village of Virgil. 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.