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Risk: Relatively Low

Ogle County, IL Environment & Hazard Risk

Relatively Low natural hazard risk, led by hail. 545 storm events since 1996.

Expected yearly loss
$36.1M
Relatively Low nationally
Storm events since 1996
545
Most often thunderstorm wind
Flood insurance policies
140
0.8% of homes
Hurricanes nearby
0
Since 1851

Natural hazard risk

FEMA National Risk Index, December 2025

Overall risk

Relatively Low

Score 71.1 of 100

Social vulnerability

Very Low

Score 17.5 of 100

Community resilience

Very High

Score 86.1 of 100

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

Building value exposed: $22.6B · Agriculture value exposed: $356M · Risk-adjusted yearly loss: $31M

Risk by hazard

  • HailRelatively Moderate$1.9M/yr expected annual loss, about 4.1 events a year
  • Cold waveRelatively Moderate$4.7M/yr expected annual loss, about 5.7 events a year
  • TornadoRelatively Moderate$4.8M/yr expected annual loss, about once every 1 year
  • Strong windRelatively Moderate$1.4M/yr expected annual loss, about 6.2 events a year
  • DroughtRelatively Moderate$879K/yr expected annual loss, about 11 events a year
  • EarthquakeRelatively Low$686K/yr expected annual loss, about once every 803 years
  • Ice stormRelatively Low$163K/yr expected annual loss, about once every 1 year
  • LandslideVery Low$1,783/yr expected annual loss, about once every 7 years
  • Heat waveRelatively Low$304K/yr expected annual loss, about 3.6 events a year
  • LightningRelatively Low$195K/yr expected annual loss, about 41 events a year
  • Winter weatherVery Low$20K/yr expected annual loss, about 15 events a year
  • HurricaneVery Low$3,964/yr expected annual loss, about once every 174 years
  • WildfireVery Low$4,571/yr expected annual loss, about once every 14,460 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
140 of 18,740 (0.8%)
Homes in high-risk flood zones
454
Insured in high-risk zones
117 (26%)
Flood claims since 1978
308
Claims paid since 1978
$3.5M

Flood claims paid per year

Flood claims paid per year in Ogle County
Beta
  • Flooding$612K · 61 claims
  • Mid-spring storms$298K · 16 claims
  • Midwest Flooding$2,289 · 1 claim

Storm history

Since 1996: 545 events, 4 deaths, $12.1M in damage

  • Thunderstorm Wind228
  • Hail88
  • Winter Storm30 · 1 death
  • Flash Flood26
  • Winter Weather24
  • Flood22
  • Tornado20
  • Drought17
  • Extreme Cold/Wind Chill15 · 1 death
  • High Wind13
Beta

Events per year

Storm events per year in Ogle County
29
36
16
31
20
12
13
15
12
6
14
17
16
21
23
28
24
29
26
24
Beta

34 tornadoes on record (EF0 7, EF1 9, EF4 1, F0 6, F1 7, F2 1, F3 1).

Most damaging storms

Since 1996, ranked by deaths, injuries and damage

  • Dense Fog03/09/2015

    Ogle

    2 deaths, 4 injured

    What happened

    Dense fog developed across north central Illinois the morning of the 10th and continued through the day at some locations. The poor visibility, less than a quarter mile at times, resulted in a fatal car accident where two high school students were killed in far west suburban Rochelle.

  • Winter Storm12/11/2010

    Ogle

    1 death

    What happened

    A strong winter storm moved across northern Illinois on December 11th and 12th, producing snowfall totals generally in the 1 to 3 inch range. As the storm moved east, very strong winds developed causing whiteout and near blizzard conditions in open areas. Winds were frequently gusting between 45 mph and 55 mph which also blew down tree limbs and power lines.||Hundreds of accidents, spin outs and vehicles in ditches were reported across the area. A 19 year old man was killed in a two car head-on accident on Route 26 north of Forreston in Ogle County on December 11th. Multiple crashes involving at least 14 cars near Hampshire in Kane County sent five people to the hospital with non-life threatening injuries. A car flipped over in Woodstock and its three occupants were taken to the hospital with non-life threatening injuries.

  • TornadoEF4, 20.94 mi path, 700 yd wide04/10/2015

    Carthage, Ogle County

    $10M damage

    What happened

    This is the second segment of the Rochelle-Fairdale EF-4 tornado. At its strongest, peak winds were estimated to be 200 mph which occurred during this segment of the storm. The tornado entered Ogle County just west of IL-38 and moved northeast where it ripped the roof off of a small barn. A neighborhood was hit on S Skare Court where damage was consistent with EF-3. Some of the homes had large sections of the roofs ripped off while some less well constructed homes (nails instead of bolts) had collapsed walls. The tornado continued northeast and intensified to EF-4 where several well constructed homes along South Richard Road and East Kuehl Court were completely destroyed with the slab swept clean. Several outbuildings were destroyed along East Hemstock Road and South Center Road. A residence on East Bethal Road received heavy damage with most of the outer walls collapsing. The tornado once again intensified to EF-4 near IL-251 and IL-64 where well constructed homes were swept clean off their foundation. A farmstead just northeast of the aforementioned intersection was also swept clean to the foundation. A heavy barn was thrown and rolled on East Lindenwood Road. In...

  • Extreme Cold/Wind Chill01/04/2009

    Ogle

    1 death

    What happened

    Low temperatures dropped into the middle to lower teens on January 4th and 5th. A 56 year old man in Chicago died due to the cold. In Davis Junction, a 47 year old man apparently abondoned his car and began walking. His car was found along the side of a road on January 4th. His body was discovered in a ditch on January 20th about 700 feet from where his car was found. His death was determined to be from hypothermia.

  • Thunderstorm Wind87 kt wind08/10/2020

    Forreston, Ogle County

    5 injured

    What happened

    Straight line winds gusting to 100 mph hit the town of Forreston producing widespread tree and power line damage. Tree and power line damage occurred across 48 blocks of the village and structural damage occurred across 13 blocks. Several mobile homes were damaged or destroyed in two mobile home parks and five people were injured. At least 50 people were displaced. Significant damage occurred to a large metal building near a gas station with associated debris blown toward the northeast. The gas station had its heating and cooling unit ripped off the roof, leaving a hole in the roof. A cinder block wall was blown out of the east side of a building causing minor damage to a parked semi truck. A garage partially collapsed from a fallen tree. Several other roofs suffered some damage from falling tree limbs. A car was damaged by a falling tree limb.

  • Thunderstorm Wind50 kt wind04/06/2010

    Rochelle, Ogle County

    1 injured, $50K damage

    What happened

    Two semi trucks were blown over along Interstate 39 and one on Interstate 88. One driver was taken to the hospital.

Drinking water

24 community water systems serve about 32,560 people. Violations since 2021.

2 systems had health-based violations, such as a contaminant over the legal limit or a missed treatment step. 5 systems had a violation of any kind still open at last report.

  • RochelleServes 9,446 · Groundwater · Local governmentNo health violations+3 monitoring or reporting
  • ByronServes 3,784 · Groundwater · Local governmentNo health violations+21 monitoring or reporting
  • OregonServes 3,449 · Groundwater · Local government1 health violation+6 monitoring or reporting
  • Mount MorrisServes 2,861 · Groundwater · Local governmentNo health violations+1 monitoring or reporting
  • PoloServes 2,355 · Groundwater · Local governmentNo health violations+2 monitoring or reporting
  • Davis JunctionServes 2,344 · Groundwater · Local governmentNo health violations
  • ForrestonServes 1,338 · Groundwater · Local governmentNo health violations
  • HillcrestServes 1,224 · Groundwater · Local governmentNo health violations+5 monitoring or reporting

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

Pollution sites

1 Superfund site and 9 toxic release facilities in Ogle County

Superfund sites

Toxic release facilities

Total: 207,837 lbs in 2024, 181,142 lbs to air.

Superfund sitesToxic release facilitiesEPA inspections and enforcementAir toxics cancer risk20 historic places

Frequently asked questions

How risky is Ogle County for natural disasters?
FEMA rates Ogle County relatively low for overall natural hazard risk, with expected losses of $36.1M a year. The highest-rated hazards are hail (relatively moderate), cold wave (relatively moderate), tornado (relatively moderate).
What storms are most common in Ogle County?
Since 1996, NOAA recorded 545 storm events affecting Ogle County, most often thunderstorm wind (228), hail (88), winter storm (30).
How many tornadoes have hit Ogle County?
34 tornadoes have been recorded in Ogle County since 1950, including 2 rated F3/EF3 or stronger.
How many homes in Ogle County have flood insurance?
140 residential flood insurance policies are in force in Ogle County, covering about 0.8% of homes. The program has paid $3.5M on 308 claims here since 1978.
What is the weather like in Ogle County?
At Polo 5nw, average highs reach 85°F in Jul and lows fall to 13°F in Jan, with 40.0 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.

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