Natural hazards · White Rock

White Rock, IL natural hazards

Most of the natural-hazard damage FEMA expects in White Rock comes from inland flooding, and overall the risk is low for a U.S. community.

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

Expected damage

How exposed is White Rock?

Low

vs. U.S. communities

FEMA expects yearly storm and flood damage to homes and buildings in White Rock to be higher than in 22% of U.S. communities, mostly from inland flooding and tornadoes.

Inland flooding45%Tornadoes17%Cold waves14%Hail8%Drought6%Everything else10%

By hazard

What White Rock faces

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

Inland flooding

45% of expected damage

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

Recorded about once a year in the area

Tornadoes

17% of expected damage

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

Recorded about once every 11 years in the area

Cold waves

14% of expected damage

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

Recorded about 6 times a year in the area

Hail

8% of expected damage

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

Recorded about 4 times a year in the area

Drought

6% of expected damage

Recorded about 11 times a year in the area

Lower here

HurricanesIce 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 White Rock flood?

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

of homes in flood zones
are insured

of all homes
are insured

No community discount. White Rock 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 White Rock

Federal disasters declared here

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

Brought FEMA money into White RockDeclared for Ogle County only

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

Around White Rock

White Rock and the towns around it

Very lowLowModerateHighVery high

Flaggmostly inland floodingModerate

Scottmostly inland floodingModerate

Hillcrestmostly inland floodingLow

White Rockmostly inland floodingLow

Lynnvillemostly 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. White Rock 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 White Rock’s own flood-insurance community; household aid to the registrant’s city; repair grants to the Township of White Rock. 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.