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Risk: Relatively Low

Whiteside County, IL Environment & Hazard Risk

Relatively Low natural hazard risk, led by drought. 681 storm events since 1996.

Expected yearly loss
$24.61M
Relatively Low nationally
Storm events since 1996
681
Most often thunderstorm wind
Flood insurance policies
158
0.7% of homes
Hurricanes nearby
0
Since 1851

Natural hazard risk

FEMA National Risk Index, December 2025

Overall risk

Relatively Low

Score 65.8 of 100

Social vulnerability

Relatively Moderate

Score 43.6 of 100

Community resilience

Very High

Score 81.7 of 100

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

Building value exposed: $13.53B · Agriculture value exposed: $388M · Risk-adjusted yearly loss: $26.3M

Risk by hazard

  • DroughtRelatively Moderate$1.32M/yr expected annual loss, about 11 events a year
  • Strong windRelatively High$1.59M/yr expected annual loss, about 5.9 events a year
  • HailRelatively Moderate$1.11M/yr expected annual loss, about 3.7 events a year
  • TornadoRelatively Moderate$3.54M/yr expected annual loss, about once every 2 years
  • Cold waveRelatively Moderate$2.83M/yr expected annual loss, about 6.1 events a year
  • Ice stormRelatively Moderate$203K/yr expected annual loss, about once every 1 year
  • Winter weatherRelatively Moderate$120K/yr expected annual loss, about 16 events a year
  • EarthquakeRelatively Low$518K/yr expected annual loss, about once every 791 years
  • LandslideVery Low$2,462/yr expected annual loss, about once every 7 years
  • LightningRelatively Low$231K/yr expected annual loss, about 41 events a year
  • Heat waveRelatively Low$368K/yr expected annual loss, about 5.9 events a year
  • HurricaneVery Low$5,056/yr expected annual loss, about once every 131 years
  • WildfireVery Low$4,637/yr expected annual loss, about once every 15,586 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
158 of 21,899 (0.7%)
Homes in high-risk flood zones
549
Insured in high-risk zones
133 (24%)
Flood claims since 1978
287
Claims paid since 1978
$2.3M

Flood claims paid per year

Flood claims paid per year in Whiteside County
  • Midwest Flooding$299K · 33 claims
  • Mid-spring storms$156K · 14 claims
  • Flooding$135K · 22 claims
  • Hurricane Ike$0 · 2 claims

Storm history

Since 1996: 681 events, 0 deaths, $28.6M in damage

  • Thunderstorm Wind215
  • Hail124
  • Winter Weather63
  • Winter Storm61
  • Flood39
  • Tornado30
  • Flash Flood23
  • High Wind20
  • Drought15
  • Funnel Cloud14

Events per year

Storm events per year in Whiteside County
29
49
19
40
28
24
33
23
20
10
22
17
21
23
11
15
10
23
10
11

43 tornadoes on record (EF0 5, EF1 17, F0 9, F1 5, F2 3, F3 1, F4 1).

Most damaging storms

Since 1996, ranked by deaths, injuries and damage

  • Drought07/01/2005

    Whiteside

    $19.27M damage

    What happened

    The drought that began back in June 2005 continued through July and into August 2005 and spread into Eastern Iowa and Northeast Missouri. The drought became severe to extreme across Northwest and West Central Illinois while it was only severe across Eastern Iowa and Northeast Missouri. The drought combined with high heat during the second half of the month decimated the corn crop. At one point during the month of July, the dryness for the calendar year across parts of the area equalled or exceeded the dry conditions during the drought of 1988. By late June the governor of Illinois had activated the Drought Response Task Force in response to severe drought conditions. By late July much of the state was declared an agricultural disaster area by the USDA.Crop loss estimates varied across the entire area. Across Illinois, the worst losses were along the Illinois River Valley with an estimated 40% yield reduction that decreased to around 25-30% along the Mississippi River Valley. In Iowa, loses rapidly decreased the further west one went from the Mississippi River Valley and were near or just slightly below normal upon reaching an Independence to Oskaloosa Iowa line.

  • Drought08/01/2005

    Whiteside

    $2.59M damage

    What happened

    The 2005 drought that started back in June continued through the month of August 2005 and into September 2005. Severe to extreme drought continued across the northern half of Illinois, eastern third of Iowa, and northeast Missouri. Although rainfall was more plentiful during the month, it continued to remain widely scattered. What rainfall did occur helped keep soybean losses to a minimum and preserved what was left of the corn crop. The severe dryness of the drought continued to place it equal to or exceeding the drought of 1988. By the end of August the governor of Iowa had requested areas south and east of a line from Dubuque, to Independence, to Ottumwa (save Buchanan County) be declared an agricultural disaster area.Soybean crop losses generally were estimated at a 10-15% reduction in yield across Illinois, eastern Iowa, and northeast Missouri. There were pockets across eastern Iowa and northeast Missouri where an estimated 20-30% reduction in yield for soybeans was expected.

  • Thunderstorm Wind65 kt wind06/18/2010

    Yeoward Addition, Whiteside County

    2 injured, $25K damage

    What happened

    Severe thunderstorm winds blew a semi trailer carrying pretzels onto its side on westbound Interstate 88. Both the driver and passenger suffered minor injuries.

  • Strong Wind10/26/2001

    Whiteside

    2 injured

    What happened

    Strong winds of 25 to 35 mph with gusts to 45 mph spread across much of Eastern Iowa and Northwest Illinois during the afternoon hours of October 24, through the evening hours of October 25. These winds caused a road construction accident on the evening of October 25, 2 miles east of Erie, Illinois on Interstate 88. Two workers at mile post 19, were trying to cover freshly poured concrete with plastic at about 730 pm CST. The strong wind caught the plastic and wrapped it around them. They then fell into the roadway and were struck by an oncoming pickup truck in the Eastbound lane. Both workers were transported to University Hospitals in Iowa City, Iowa, and were in critical condition upon arrival.

  • Thunderstorm Wind02/11/1999

    Sterling, Whiteside County

    1 injured, $28K damage

    What happened

    An intensifying squall line ahead of a strong cold front sent severe thunderstorms racing across Eastern Iowa and Northwest Illinois. Widespread damage from high winds and hail was reported across Southeast Iowa into Northwest Illinois as the storms moved northeast. Several high profile vehicles were overturned by the strong winds, and many downed trees, damaged homes, and farm buildings were reported. In Jo Daviess County two people were injured when the roof was blown off their home, and another man sustained injuries when the semi he was driving was blown over. In Whiteside County one student was injured when strong winds tore a portion of roof off a high school .

  • Winter Weather02/06/2025

    Whiteside

    1 injured

    What happened

    According to Illinois State Police, at 8:40 p.m. Wednesday troopers responded to a five-vehicle crash in Sterling, Illinois. Officials said four truck tractor semi-trailers lost traction on the Rock River Bridge and three of the four jackknifed causing the fifth vehicle to crash. One of the drivers of the semi-trailers was taken to an area hospital with non life-threatening injuries.

Latest storm reports

Newest first

  • Thunderstorm Wind50 kt wind06/25/2026

    Sterling, Whiteside County

  • Thunderstorm Wind52 kt wind06/25/2026

    Douglas Park, Whiteside County

  • Thunderstorm Wind61 kt wind05/04/2026

    Hamilton Corners, Whiteside County

  • Thunderstorm Wind53 kt wind04/18/2026

    Union Grove, Whiteside County

  • Hail1.5" hail04/03/2026

    Sterling Arpt, Whiteside County

  • TornadoEF1, 0.09 mi path, 250 yd wide04/03/2026

    Penrose, Whiteside County

  • TornadoEF1, 3.72 mi path, 75 yd wide04/03/2026

    Douglas Park, Whiteside County

  • Thunderstorm Wind58 kt wind04/02/2026

    Prophetstown, Whiteside County

Drinking water

12 community water systems serve about 36,860 people. Violations since 2021.

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

  • Il American-SterlingServes 14,782 · Groundwater · PrivateNo health violations
  • Rock FallsServes 8,620 · Groundwater · Local governmentNo health violations+5 monitoring or reporting
  • MorrisonServes 4,188 · Groundwater · Local governmentNo health violations+3 monitoring or reporting
  • FultonServes 3,346 · Groundwater · Local government1 health violation+2 monitoring or reporting
  • ProphetstownServes 1,946 · Groundwater · Local government1 health violation+2 monitoring or reporting
  • ErieServes 1,479 · Groundwater · Local government2 health violations+6 monitoring or reporting
  • AlbanyServes 846 · Groundwater · Local government1 health violation+25 monitoring or reporting
  • TampicoServes 689 · Groundwater · Local government1 health violation+2 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.

Climate

1991-2020 normals at Morrison, 3 mi from the county center

Summer highs peak around 83°F in Jul and winter lows bottom out near 12°F in Jan. About 38.3 inches of rain falls in a typical year, with 31.5 inches of snow.

MonthHighLowRainSnow
Jan29°F12°F1.51 in10.4 in
Feb34°F16°F1.65 in7.6 in
Mar46°F27°F2.53 in3.6 in
Apr60°F37°F3.84 in0.8 in
May71°F49°F4.73 in-
Jun80°F59°F4.93 in-
Jul83°F62°F4.16 in-
Aug81°F60°F4.32 in-
Sep75°F51°F3.35 in-
Oct62°F39°F2.77 in0.1 in
Nov47°F28°F2.47 in2.7 in
Dec35°F18°F2.02 in6.3 in
Year48°F average38.3 in31.5 in

Pollution sites

0 Superfund sites and 8 toxic release facilities in Whiteside County

Superfund sites

None in this county.

Toxic release facilities

Total: 724,852 lbs in 2024, 8,413 lbs to air.

Superfund sitesToxic release facilitiesEPA inspections and enforcementAir toxics cancer risk8 historic places

Frequently asked questions

How risky is Whiteside County for natural disasters?
FEMA rates Whiteside County relatively low for overall natural hazard risk, with expected losses of $24.61M a year. The highest-rated hazards are drought (relatively moderate), strong wind (relatively high), hail (relatively moderate).
What storms are most common in Whiteside County?
Since 1996, NOAA recorded 681 storm events affecting Whiteside County, most often thunderstorm wind (215), hail (124), winter weather (63).
How many tornadoes have hit Whiteside County?
43 tornadoes have been recorded in Whiteside County since 1950, including 2 rated F3/EF3 or stronger.
How many homes in Whiteside County have flood insurance?
158 residential flood insurance policies are in force in Whiteside County, covering about 0.7% of homes. The program has paid $2.3M on 287 claims here since 1978.
What is the weather like in Whiteside County?
At Morrison, average highs reach 83°F in Jul and lows fall to 12°F in Jan, with 38.3 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.