Ranked from FEMA National Risk Index
Lowest Expected Disaster Loss per Household in Illinois
The counties where FEMA's expected annual loss per household is smallest. Low exposure is one of the few housing-cost advantages that never shows up in the listing price. It shows up in what an insurer actually charges, which is not the same as the insurance figure in these tables, since that is a statewide average and cannot vary by county. Expected annual loss is FEMA's National Risk Index figure for the county, divided by the number of occupied housing units the Census reports there.
Where does yours land?
Every county in America is somewhere on this scale, including the one you live in.
Illinois ranked
| # | County | Disaster loss per household | FEMA risk rating | Median home |
|---|---|---|---|---|
| 1 | Rock Island County | $743 | Relatively Moderate | $144,700 |
| 2 | McDonough County | $855 | Very Low | $103,500 |
| 3 | Knox County | $865 | Relatively Low | $104,900 |
| 4 | Adams County | $932 | Relatively Low | $155,900 |
| 5 | Lake County | $1,038 | Relatively High | $326,600 |
| 6 | Warren County | $1,045 | Very Low | $101,300 |
| 7 | DuPage County | $1,047 | Relatively High | $374,100 |
| 8 | Winnebago County | $1,053 | Relatively Moderate | $155,100 |
| 9 | Whiteside County | $1,060 | Relatively Low | $125,800 |
| 10 | Vermilion County | $1,069 | Relatively Low | $92,900 |
| 11 | Kane County | $1,082 | Relatively High | $303,000 |
| 12 | Mercer County | $1,083 | Very Low | $139,300 |
| 13 | Macon County | $1,085 | Relatively Moderate | $121,800 |
| 14 | Peoria County | $1,098 | Relatively Moderate | $152,600 |
| 15 | Champaign County | $1,114 | Relatively Moderate | $205,100 |
| 16 | Hancock County | $1,115 | Very Low | $108,400 |
| 17 | Tazewell County | $1,115 | Relatively Moderate | $164,500 |
| 18 | Boone County | $1,116 | Relatively Low | $198,600 |
| 19 | Cook County | $1,163 | Very High | $305,200 |
| 20 | McLean County | $1,177 | Relatively Moderate | $198,300 |
| 21 | Henry County | $1,202 | Relatively Low | $145,300 |
| 22 | DeKalb County | $1,206 | Relatively Low | $231,900 |
| 23 | McHenry County | $1,225 | Relatively Moderate | $286,900 |
| 24 | Clark County | $1,339 | Very Low | $123,100 |
| 25 | LaSalle County | $1,343 | Relatively Moderate | $154,900 |
| 26 | Greene County | $1,343 | Very Low | $94,400 |
| 27 | Jersey County | $1,358 | Very Low | $168,800 |
| 28 | Sangamon County | $1,362 | Relatively Moderate | $170,300 |
| 29 | Madison County | $1,416 | Relatively Moderate | $167,900 |
| 30 | De Witt County | $1,437 | Very Low | $124,200 |
| 31 | Will County | $1,443 | Relatively High | $298,000 |
| 32 | Effingham County | $1,455 | Relatively Low | $179,800 |
| 33 | Stephenson County | $1,484 | Relatively Low | $127,500 |
| 34 | Woodford County | $1,488 | Very Low | $193,800 |
| 35 | Schuyler County | $1,489 | Very Low | $106,200 |
| 36 | Jo Daviess County | $1,505 | Relatively Low | $193,900 |
| 37 | Coles County | $1,517 | Relatively Low | $121,900 |
| 38 | Fulton County | $1,527 | Relatively Low | $102,500 |
| 39 | Edgar County | $1,537 | Very Low | $95,700 |
| 40 | Ford County | $1,541 | Very Low | $118,100 |
| 41 | Lee County | $1,542 | Relatively Low | $155,100 |
| 42 | Menard County | $1,556 | Very Low | $179,300 |
| 43 | Brown County | $1,566 | Very Low | $142,200 |
| 44 | Wabash County | $1,590 | Very Low | $103,900 |
| 45 | Bureau County | $1,600 | Relatively Low | $121,900 |
| 46 | Christian County | $1,617 | Relatively Low | $112,100 |
| 47 | Monroe County | $1,634 | Very Low | $265,600 |
| 48 | Pike County | $1,659 | Very Low | $100,100 |
| 49 | Kankakee County | $1,667 | Relatively Moderate | $185,700 |
| 50 | Carroll County | $1,675 | Very Low | $113,500 |
| 51 | Kendall County | $1,680 | Relatively Low | $298,900 |
| 52 | St. Clair County | $1,724 | Relatively High | $168,800 |
| 53 | Ogle County | $1,747 | Relatively Low | $184,100 |
| 54 | Marshall County | $1,754 | Very Low | $137,800 |
| 55 | Cumberland County | $1,770 | Very Low | $117,700 |
| 56 | Bond County | $1,783 | Very Low | $133,100 |
| 57 | Moultrie County | $1,788 | Relatively Low | $121,500 |
| 58 | Williamson County | $1,825 | Relatively Moderate | $145,600 |
| 59 | Scott County | $1,825 | Very Low | $101,700 |
| 60 | Logan County | $1,825 | Relatively Low | $125,900 |
| 61 | Piatt County | $1,843 | Very Low | $173,200 |
| 62 | Henderson County | $1,843 | Very Low | $101,600 |
| 63 | Clinton County | $1,907 | Relatively Low | $180,500 |
| 64 | Putnam County | $1,912 | Very Low | $167,800 |
| 65 | Crawford County | $1,915 | Very Low | $113,700 |
| 66 | Richland County | $1,917 | Relatively Low | $106,600 |
| 67 | Fayette County | $1,932 | Relatively Low | $114,700 |
| 68 | Wayne County | $1,953 | Very Low | $109,400 |
| 69 | Montgomery County | $1,967 | Relatively Low | $102,200 |
| 70 | Franklin County | $1,980 | Relatively Low | $87,700 |
| 71 | Stark County | $1,989 | Very Low | $103,500 |
| 72 | Marion County | $1,997 | Relatively Low | $100,100 |
| 73 | Saline County | $2,033 | Relatively Low | $92,900 |
| 74 | Union County | $2,146 | Relatively Low | $131,700 |
| 75 | Mason County | $2,155 | Relatively Low | $106,100 |
| 76 | Jackson County | $2,164 | Relatively Moderate | $125,000 |
| 77 | Morgan County | $2,169 | Relatively Low | $128,700 |
| 78 | Clay County | $2,187 | Very Low | $94,300 |
| 79 | Macoupin County | $2,219 | Relatively Low | $126,100 |
| 80 | Livingston County | $2,242 | Relatively Low | $131,500 |
| 81 | Shelby County | $2,253 | Relatively Low | $130,400 |
| 82 | Jefferson County | $2,306 | Relatively Low | $118,400 |
| 83 | Edwards County | $2,346 | Very Low | $97,500 |
| 84 | Cass County | $2,373 | Very Low | $95,500 |
| 85 | Hardin County | $2,424 | Very Low | $91,700 |
| 86 | Grundy County | $2,444 | Relatively Low | $259,200 |
| 87 | Douglas County | $2,519 | Relatively Low | $142,600 |
| 88 | Lawrence County | $2,527 | Relatively Low | $95,500 |
| 89 | White County | $2,632 | Relatively Low | $100,100 |
| 90 | Jasper County | $2,646 | Very Low | $122,900 |
| 91 | Johnson County | $2,889 | Relatively Low | $148,200 |
| 92 | Iroquois County | $2,993 | Relatively Low | $125,400 |
| 93 | Randolph County | $3,032 | Relatively Low | $134,100 |
| 94 | Washington County | $3,214 | Relatively Low | $149,800 |
| 95 | Perry County | $3,252 | Relatively Low | $105,200 |
| 96 | Gallatin County | $3,279 | Very Low | $84,700 |
| 97 | Calhoun County | $3,342 | Very Low | $174,000 |
| 98 | Massac County | $3,379 | Relatively Low | $118,000 |
| 99 | Hamilton County | $3,718 | Very Low | $108,800 |
| 100 | Pope County | $3,992 | Very Low | $165,300 |
| 101 | Alexander County | $5,225 | Relatively Low | $58,700 |
| 102 | Pulaski County | $5,803 | Relatively Low | $81,000 |
Every figure is modelled on the county's own median home with 20% down at 7.03%. Property tax and electricity are county and state specific; homeowners insurance uses the NAIC average premium for that state, which ranges from 0.16% of home value in Hawaii to 1.16% in Oklahoma. Maintenance and water are national estimates. Full methodology.
Nationwide
Lowest Expected Disaster Loss per Household across all 3,133 US counties · Every county in Illinois