STATE RISK ROLL-UP

Illinois

Across 102 counties, FEMA rates 6 elevated or higher for overall natural-hazard risk. Here's what drives it — and where it concentrates.

How the counties rate

Low82

Moderate14

Elevated5

High1

Dominant hazards

The hazards most often rated elevated or higher across Illinois's counties:

Winter weather — 15 counties
Tornado — 14 counties
Drought — 10 counties
Flooding — 7 counties

Highest-risk counties

County	FEMA composite	Score
Cook County	Very High	100
DuPage County	Relatively High	98
Will County	Relatively High	97
Lake County	Relatively High	96
Kane County	Relatively High	95
St. Clair County	Relatively High	95

State figures are a roll-up of FEMA National Risk Index county data (counts and rankings), not an official FEMA state rating. Risk is an estimate from a public model, not a guarantee — verify your specific insurance needs with a licensed professional. See the methodology.

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FEMA National Risk Index · as of 2026-07-08