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Risk: Relatively Moderate

McLean County, IL Environment & Hazard Risk

Relatively Moderate natural hazard risk, led by cold wave. 782 storm events since 1996.

Expected yearly loss
$81.32M
Relatively Moderate nationally
Storm events since 1996
782
Most often thunderstorm wind
Flood insurance policies
112
0.2% of homes
Hurricanes nearby
0
Since 1851

Natural hazard risk

FEMA National Risk Index, December 2025

Overall risk

Relatively Moderate

Score 86.9 of 100

Social vulnerability

Very Low

Score 15.1 of 100

Community resilience

Very High

Score 95.5 of 100

Community resilience runs the other way: a higher rating means a community can recover faster.

Building value exposed: $38.94B · Agriculture value exposed: $588M · Risk-adjusted yearly loss: $67.15M

Risk by hazard

  • Cold waveRelatively High$26.4M/yr expected annual loss, about 4.9 events a year
  • DroughtRelatively High$2.62M/yr expected annual loss, about 3.4 events a year
  • TornadoRelatively Moderate$8.76M/yr expected annual loss, about 1.3 events a year
  • HailRelatively Moderate$1.92M/yr expected annual loss, about 3.3 events a year
  • Winter weatherRelatively High$358K/yr expected annual loss, about 11 events a year
  • Heat waveRelatively Moderate$2.62M/yr expected annual loss, about 6.3 events a year
  • EarthquakeRelatively Low$2.67M/yr expected annual loss, about once every 514 years
  • Strong windRelatively Moderate$1.79M/yr expected annual loss, about 5.1 events a year
  • Ice stormRelatively Moderate$302K/yr expected annual loss, about 1.5 events a year
  • LightningRelatively Moderate$386K/yr expected annual loss, about 47 events a year
  • LandslideVery Low$1,624/yr expected annual loss, about once every 5 years
  • HurricaneVery Low$22.2K/yr expected annual loss, about once every 100 years
  • WildfireVery Low$3,589/yr expected annual loss, about once every 31,333 years

Bars show the national percentile score (0 to 100) for each hazard. Dollar figures are expected annual losses to buildings, people and crops. Not rated here: avalanche, coastal flooding, riverine flooding, tsunami, volcanic activity.

Flood risk and insurance

National Flood Insurance Program and FEMA flood maps

Check the flood zone for an address

Homes with flood insurance
112 of 53,811 (0.2%)
Homes in high-risk flood zones
320
Insured in high-risk zones
43 (13%)
Flood claims since 1978
188
Claims paid since 1978
$1.7M

Flood claims paid per year

Flood claims paid per year in McLean County
  • Midwest Flooding$235K · 5 claims
  • Flooding$86.08K · 29 claims
  • Early winter storms$16.8K · 2 claims
  • Hurricane Ike$9,653 · 1 claim

Storm history

Since 1996: 782 events, 19 deaths, $91.87M in damage

  • Thunderstorm Wind317 · 1 death
  • Hail204
  • Tornado53
  • Flash Flood43
  • Heavy Snow22 · 2 deaths
  • Winter Storm20 · 1 death
  • High Wind18
  • Drought16
  • Winter Weather12 · 2 deaths
  • Heat11 · 4 deaths

Events per year

Storm events per year in McLean County
18
32
18
26
19
16
16
20
24
9
19
15
23
28
17
27
50
39
69
51

123 tornadoes on record (EF0 12, EF1 11, EF2 1, F0 52, F1 23, F2 16, F3 2).

Most damaging storms

Since 1996, ranked by deaths, injuries and damage

  • Drought09/01/2012

    Mclean

    $65.5M damage

    What happened

    Thanks to beneficial rainfall of 2 to 4 inches from the remnants of Hurricane Issac, McLean County was downgraded to the Moderate Drought category (D1) on September 6th. Total damage to the corn crop was estimated at $65.5 million.

  • Ice Storm12/28/2015

    Mclean

    2 deaths, $975K damage

    What happened

    Weather observers across McLean County reported ice accumulations of up to 0.25. This amount of ice combined with winds gusting as high as 35 to 45 mph caused extensive damage to trees, power poles, and power lines. Several homes were damaged by falling trees and tree branches. About 50,000 people lost power for up to 4 days after the storm. Numerous businesses in Bloomington-Normal were closed due to power outages. An elderly Danvers couple died as a result of carbon monoxide poisoning from an improperly vented generator in their home.

  • Thunderstorm Wind35 kt wind06/28/2009

    Covel, Mclean County

    1 death, 3 injured, $35K damage

    What happened

    A canopy was blown across a road in rural McLean County, causing a head-on collision between two vehicles. The incident took place near the intersection of 1100 N and 600 E. A 91 year-old woman who was a passenger in one of the vehicles died at the scene. The strong winds were caused by a thunderstorm gust front and were estimated to be around 40 to 45 mph.

  • Winter Weather02/05/2010

    Mclean

    1 death, 3 injured

    What happened

    Two to three inches of snow across McLean County caused area roadways to become slick and hazardous. A 27-year old woman was killed when the vehicle she was riding in collided with another vehicle just east of Gridley. Numerous other minor traffic accidents were also reported across the county.

  • Winter Weather01/20/2010

    Mclean

    12 injured

    What happened

    Numerous minor injuries were reported in McLean County due to icy conditions on January 20th. Two people were treated at local hospitals as a result of traffic accidents, while ten others were admitted due to falls.

  • Flash Flood06/26/2021

    Stanford, Mclean County

    $11.8M damage

    What happened

    Numerous roads were closed due to flood waters, including Route 136 between Heyworth and McLean. Part of the I-55 shoulder collapsed near Kickapoo Creek southwest of Bloomington, prompting the closure of the interstate. A dive team from Hudson was deployed to rescue a stranded motorist on I-55 southwest of Shirley. Other vehicles were stranded by high water near mile marker 159 on I-55 near Bloomington, at exit 142 on I-74 near the Kickapoo Creek Bridge just west of Downs, and about 2 miles north of LeRoy. A homeowner was stranded by high water surrounding their property a mile north of Heyworth. Nearly 1, 600 homes and 75 businesses were damaged by the flooding, including more than 200 structures that had major damage or were destroyed.

Latest storm reports

Newest first

  • TornadoEF0, 0.25 mi path, 20 yd wide07/10/2026

    Saybrook, Mclean County

  • Flash Flood06/17/2026

    Gillum, Mclean County

  • Flash Flood06/17/2026

    Hendrix, Mclean County

  • Flash Flood06/17/2026

    Laurette, Mclean County

  • Flash Flood06/17/2026

    Heyworth, Mclean County

  • Thunderstorm Wind70 kt wind06/17/2026

    Chenoa, Mclean County

  • Thunderstorm Wind65 kt wind06/17/2026

    Meadows, Mclean County

  • Thunderstorm Wind61 kt wind06/17/2026

    Gridley, Mclean County

Drinking water

36 community water systems serve about 165,782 people. Violations since 2021.

12 systems had health-based violations, such as a contaminant over the legal limit or a missed treatment step. 13 systems had a violation of any kind still open at last report.

  • BloomingtonServes 79,000 · Surface water · Local governmentNo health violations+2 monitoring or reporting
  • NormalServes 52,736 · Groundwater · Local governmentNo health violations
  • Illinois State University-NormalServes 6,600 · Purchased groundwater · StateNo health violations+4 monitoring or reporting
  • Le RoyServes 3,498 · Groundwater · Local government4 health violations+9 monitoring or reporting
  • HeyworthServes 2,853 · Groundwater · Local governmentNo health violations
  • LexingtonServes 1,930 · Groundwater · Local government1 health violation
  • HudsonServes 1,847 · Purchased surface water · Local governmentNo health violations+3 monitoring or reporting
  • Bloomington Township Pwd West PhaseServes 1,800 · Purchased surface water · Local governmentNo health violations

Largest systems by population served. Monitoring and reporting violations mean required tests or notices were late or missing, not that the water was unsafe.

Climate

1991-2020 normals at Normal 4ne, 5.4 mi from the county center

Summer highs peak around 86°F in Jul and winter lows bottom out near 16°F in Jan. About 39.4 inches of rain falls in a typical year, with 20.1 inches of snow.

MonthHighLowRainSnow
Jan33°F16°F2.43 in7.5 in
Feb38°F19°F1.99 in5.5 in
Mar50°F28°F2.61 in2.2 in
Apr63°F38°F3.72 in0.5 in
May74°F50°F4.81 in-
Jun83°F60°F4.08 in-
Jul86°F63°F4.12 in-
Aug84°F61°F3.83 in-
Sep79°F53°F3.22 in-
Oct66°F42°F3.48 in-
Nov50°F31°F2.80 in0.8 in
Dec38°F21°F2.30 in3.6 in
Year51°F average39.4 in20.1 in

Pollution sites

0 Superfund sites and 5 toxic release facilities in McLean County

Superfund sites

None in this county.

Toxic release facilities

Total: 388,314 lbs in 2024, 314,595 lbs to air.

Superfund sitesToxic release facilitiesEPA inspections and enforcementAir toxics cancer risk26 historic places

Frequently asked questions

How risky is McLean County for natural disasters?
FEMA rates McLean County relatively moderate for overall natural hazard risk, with expected losses of $81.32M a year. The highest-rated hazards are cold wave (relatively high), drought (relatively high), tornado (relatively moderate).
What storms are most common in McLean County?
Since 1996, NOAA recorded 782 storm events affecting McLean County, most often thunderstorm wind (317), hail (204), tornado (53).
How many tornadoes have hit McLean County?
123 tornadoes have been recorded in McLean County since 1950, including 2 rated F3/EF3 or stronger.
How many homes in McLean County have flood insurance?
112 residential flood insurance policies are in force in McLean County, covering about 0.2% of homes. The program has paid $1.7M on 188 claims here since 1978.
What is the weather like in McLean County?
At Normal 4ne, average highs reach 86°F in Jul and lows fall to 16°F in Jan, with 39.4 inches of rain a year (1991-2020 normals).

Source: FEMA (National Risk Index, NFIP), NOAA (Storm Events, HURDAT2, Climate Normals), EPA · Last updated 08/01/2026 · Storm counts include events in forecast zones that touch the county. This product uses the FEMA OpenFEMA API, but is not endorsed by FEMA.