Natural hazards · Winnebago

Winnebago, IL natural hazards

Most of the natural-hazard damage FEMA expects in Winnebago comes from inland flooding, and overall the risk is very low for a U.S. community. 8 federal disasters brought FEMA money into town.

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

Expected damage

How exposed is Winnebago?

Very low

vs. U.S. communities

FEMA expects yearly storm and flood damage to homes and buildings in Winnebago to be higher than in 18% of U.S. communities, mostly from inland flooding and tornadoes.

Inland flooding47%Tornadoes19%Cold waves16%Hail6%Everything else12%

By hazard

What Winnebago faces

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

Inland flooding

47% of expected damage

Below average · higher than 25% of U.S. places

Recorded about 2 times a year in the area

Tornadoes

19% of expected damage

Well above average · higher than 79% of U.S. places

Recorded about once every 18 years in the area

Cold waves

16% of expected damage

Below average · higher than 29% of U.S. places

Recorded about 6 times a year in the area

Hail

6% of expected damage

Well above average · higher than 85% of U.S. places

Recorded about 5 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 Winnebago flood?

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

of homes in flood zones
are insured

of all homes
are insured

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

Insurance rates: Winnebago County.

Disasters that hit Winnebago

8 federal disasters brought FEMA money here

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

Brought FEMA money into WinnebagoDeclared for Winnebago County only

2024

Severe Storms, Tornadoes, Straight-Line Winds, and Floodng

31 households applied for aid $47K aid approved

2013

Severe Storms, Straight-Line Winds, and Flooding

2 households applied for aid

2011

Severe Winter Storm and Snowstorm

$7K to the Village of Winnebago for repairs

2010

Severe Storms and Flooding

29 households applied for aid $74K aid approved

2008

Record Snow and Near Record Snow

$5K to the Village of Winnebago for repairs

2007

Severe Storms and Flooding

1 household applied for aid $2K aid approved

2006

Snow

$3K to the Village of Winnebago for repairs

2000

Illinois Winter Snow Storms

$3K to the Village of Winnebago for repairs

Winnebago County has had 17 natural disasters declared since 1953, most often winter storms and floods.

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. Winnebago 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 Winnebago’s own flood-insurance community; household aid to the registrant’s city; repair grants to the Village of Winnebago. 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.

Winnebago, IL natural hazards

How exposed is Winnebago?

What Winnebago faces

Inland flooding

Tornadoes

Cold waves

Hail

Lower here

Not a risk here

Does Winnebago flood?

8 federal disasters brought FEMA money here

Severe Storms, Tornadoes, Straight-Line Winds, and Floodng

Severe Storms, Straight-Line Winds, and Flooding

Severe Winter Storm and Snowstorm

Severe Storms and Flooding

Record Snow and Near Record Snow

Severe Storms and Flooding

Snow

Illinois Winter Snow Storms

How to read this page

Where to, neighbor?

Matches

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