Hazard Plain Automated baseline

Jo Daviess County, IL

Risk-assessment baseline packet

County FIPS:
17085
Release:
2026-10
Data as of:
2026-09-30
Storm Events data through:
2026-06-30

Hazard Plain is an independent product built from public federal data. It is not a FEMA document and is not reviewed or endorsed by FEMA or any state agency.

Hazard Plain release 2026-10, as of 2026-09-30.

Summary

Plan status as of 2026-09-30: Expired on 2026-01-11. Plan: JoDaviess 2021 Hazard Mitigation Plan (FEMA plan 105978), approved 2021-01-12.

Since the plan was approved on 2021-01-12: no new hazard declaration and 107 NOAA Storm Events records; details under "What changed since your last plan".

Highest expected annual loss (FEMA National Risk Index, modeled total; see B1-a): Inland Flooding ($8,001,902 a year), Cold Wave ($2,500,453) and Tornado ($2,257,967).

The tables that follow are organized by the items of FEMA's Local Mitigation Plan Review Tool, Element B (B1-a to B2-c); each heading says which item its tables support.

Plan clock

Status:
Expired on 2026-01-11
Plan:
JoDaviess 2021 Hazard Mitigation Plan (FEMA plan 105978)
Approved:
2021-01-12
Days since expiry:
262
Update underway:
none recorded in FEMA's plan tracker

Until a new plan is approved, FEMA mitigation project grants (HMGP, FMA) need a FEMA exception (44 CFR 201.6(a)(3)).

What changed since your last plan (approved 2021-01-12)

New federal declarations:
none
Storm Events records since approval:
107 records (data through 2026-06-30)
Repetitive loss now:
FMA RL 2, SRL 6 (44 CFR 77.2); any definition: 24
Repeat-flood change:
this release sets the baseline count.

Sources: 1, 2, 4, 6 (numbered list at the end)

Plan status for every jurisdiction listed in this county

Source: 1

JurisdictionTypeStatusPlanApprovedExpiresDays to expirynegative = days since expiryNotes
Jo Daviess CountyCountyExpired on 2026-01-11JoDaviess 2021 Hazard Mitigation Plan (FEMA plan 105978)2021-01-122026-01-11-262
Apple Canyon Lake CDPUnincorporatedExpired on 2026-01-11JoDaviess 2021 Hazard Mitigation Plan (FEMA plan 105978)2021-01-122026-01-11-262
Apple River villageVillageExpired on 2026-01-11JoDaviess 2021 Hazard Mitigation Plan (FEMA plan 105978)2021-01-122026-01-11-262this jurisdiction approved 2021-02-17
East Dubuque cityCityExpired on 2026-01-11JoDaviess 2021 Hazard Mitigation Plan (FEMA plan 105978)2021-01-122026-01-11-262
Elizabeth villageVillageExpired on 2026-01-11JoDaviess 2021 Hazard Mitigation Plan (FEMA plan 105978)2021-01-122026-01-11-262
Galena cityCityExpired on 2026-01-11JoDaviess 2021 Hazard Mitigation Plan (FEMA plan 105978)2021-01-122026-01-11-262
Hanover villageVillageExpired on 2026-01-11JoDaviess 2021 Hazard Mitigation Plan (FEMA plan 105978)2021-01-122026-01-11-262
Scales Mound villageVillageExpired on 2026-01-11JoDaviess 2021 Hazard Mitigation Plan (FEMA plan 105978)2021-01-122026-01-11-262
Stockton villageVillageExpired on 2026-01-11JoDaviess 2021 Hazard Mitigation Plan (FEMA plan 105978)2021-01-122026-01-11-262
The Galena Territory CDPUnincorporatedExpired on 2026-01-11JoDaviess 2021 Hazard Mitigation Plan (FEMA plan 105978)2021-01-122026-01-11-262
Warren villageVillageExpired on 2026-01-11JoDaviess 2021 Hazard Mitigation Plan (FEMA plan 105978)2021-01-122026-01-11-262

State plan status and tribal plans in this state: see the state page.

Supports FEMA checklist item B1-a: hazard identification

Hazards NRI does not cover (local data needed)

  • dam failure (incl. upstream dams)
  • levee failure
  • flash flood as its own subtype
  • ice jams
  • debris flows
  • erosion (riverine and coastal)
  • land subsidence and sinkholes
  • expansive soils

The 18 National Risk Index hazards, ranked by expected annual loss (EAL)

Sources: 5, 6

Rank by EALHazardNRI risk ratingEAL ratingEAL buildingsmodeled dollars per yearEAL agriculturemodeled dollars per yearCost of expected deaths and injuriesFEMA's dollar value per year, not property damageEAL total (see note)modeled dollars per yearStorm Events records, 1996 to 2026-06-30countStorm Events coverage note
1Inland FloodingRelatively LowRelatively Low$7,819,678$111,170$71,055$8,001,90265
2Cold WaveRelatively ModerateRelatively Moderate$41$31,828$2,468,583$2,500,45324Includes 7 Frost/Freeze records (outside NRI's Cold Wave definition; counted in this table and in B1-d, not in the B1-e descriptor).
3TornadoRelatively ModerateRelatively Moderate$1,466,968$2,540$788,458$2,257,96713
4HailRelatively ModerateRelatively Moderate$929,976$125,498$14,725$1,070,199103
5Strong WindRelatively ModerateRelatively Moderate$361,557$30,167$273,014$664,738207Includes 16 High Wind and 1 Strong Wind records (NOAA non-thunderstorm wind types, outside NRI's Strong Wind definition).
6DroughtRelatively ModerateRelatively Moderaten/a$438,202n/a$438,20213
7Heat WaveRelatively LowRelatively Low$573$3$329,530$330,1054
8Ice StormRelatively LowRelatively Low$79,384n/a$27,048$106,4327
9LightningVery LowVery Low$14,217n/a$58,585$72,8024
10LandslideRelatively ModerateRelatively Low$7,089n/a$63,233$70,3220No recorded events in Storm Events since 1996 (data through 2026-06-30).
11EarthquakeVery LowVery Low$48,932n/a$8,373$57,305Storm Events does not record earthquakes.
12Winter WeatherRelatively LowRelatively Low$1,197$1,065$39,736$41,998156Includes 1 Sleet record (outside NRI's Winter Weather definition).
13WildfireVery LowVery Low$7,277$30$589$7,8960No recorded events in Storm Events since 1996 (data through 2026-06-30).
14HurricaneVery LowVery Low$2,371$1,566under $1$3,9370No recorded events in Storm Events since 1996 (data through 2026-06-30).

Total = buildings + agriculture + population equivalence; FEMA values each expected death (or 10 injuries) at $13.7 million (2024 dollars).

NRI risk rating combines expected annual loss with social vulnerability and community resilience; EAL rating rates expected annual loss alone. Both compare this county with all U.S. counties.

Local data needed: state and local landslide and wildfire records (Storm Events records these hazards only in part).

Not applicable to this county per NRI, with no federal declaration and no Storm Events record since 1996: avalanche, coastal flooding, tsunami and volcanic activity. That is the evidence for leaving them out of the plan.

The state hazard mitigation plan also lists hazards for this county; FEMA asks the plan to explain any hazard it leaves out.

Supports FEMA checklist item B1-b: hazard location

Affects the whole county (national data give no location within it): Cold Wave, Drought, Hail, Heat Wave, Ice Storm, Lightning, Strong Wind and Winter Weather.

Inland Flooding: The FEMA Flood Insurance Rate Map (FIRM) is the required location source for flooding. See the FEMA Flood Map Service Center (https://msc.fema.gov) for this county.

Hazards that vary within the county: highest-rated census tracts

Source: 5

HazardHighest-rated census tractsNRI risk rating, score 0 to 100
Earthquaketract 205 (Very Low, 28.9); tract 204.02 (Very Low, 28.7); tract 202 (Very Low, 28.6)
Hurricanetract 204.02 (Very Low, 33.1); tract 201.01 (Very Low, 32.1); tract 204.01 (Very Low, 31.5)
Landslidetract 204.01 (Relatively Moderate, 99.1); tract 204.02 (Relatively Moderate, 98.5); tract 203 (Relatively Moderate, 98.1)
Tornadotract 202 (Very High, 96.2); tract 204.02 (Relatively High, 92.4); tract 203 (Relatively High, 90.1)
Wildfiretract 202 (Relatively Low, 74.0); tract 204.02 (Relatively Low, 73.2); tract 204.01 (Relatively Low, 72.3)

Up to 3 census tracts per hazard, highest National Risk Index rating first, then highest score; a tract number is the Census tract number (for example 205 is Census Tract 205). FEMA's Resilience Analysis and Planning Tool maps the National Risk Index for every tract: https://www.fema.gov/emergency-managers/practitioners/resilience-analysis-and-planning-tool

Supports FEMA checklist item B1-c: hazard extent

Extent: scale, observed range and worst recorded event per hazard

Sources: 6, 7

HazardScaleRecordscount and yearsObserved rangeWorst recorded eventMost damaging (when different)How it applies to jurisdictionsNote
Cold/Wind Chill, Extreme Cold/Wind Chillwind chill17 records, 1996 to 2019 (17 zone-level)1 day to 31 days (median 3 days); 12 with a recorded value2000-12-01 to 2000-12-31 (4 records, 1 of them a monthly summary record), zone-levelCountywide (zone-level records).
Frost/Freeze (outside NRI's Cold Wave definition)crop damage7 records, 2003 to 2012 (7 zone-level)Frost/Freeze, 2005-05-03, $264,000 crop damage (2005 dollars); NWS zone ILZ001Countywide (zone-level records).
DroughtU.S. Drought Monitor scale (D0 to D4)13 records, 2005 to 2012 (13 zone-level)22 days to 290 days (median 26 days); 4 with a recorded value290 days (about 9.5 months), 2005-06-15 to 2006-03-31, a run of 10 consecutive Storm Events drought records, zone-levelDrought, 2005-07-01, property not reported; $6,030,000 crops (zone total, 2005 dollars)Countywide (zone-level records).Storm Events enters a drought at D2 or worse east of the Rockies and D3 or worse from the Rockies west (NWS Instruction 10-1605); NRI drought counts D3 and D4 only.
EarthquakeModified Mercalli (local data)0Storm Events does not record earthquakes; the USGS earthquake catalog is the source.
Hailhail size (inches)113 records, 1965 to 20260.75 in to 2.5 in (median 1 in); 113 with a recorded value2.5 in hail, 2009-07-24; same size also recorded on 2004-07-20Hail, 2004-07-20, $240,000 property; crops not reported (2004 dollars)Event records naming jurisdictions in the plan: Stockton village (16 records), Galena city (14 records), Hanover village (11 records), Warren village (9 records), East Dubuque city (7 records), Scales Mound village (7 records), Elizabeth village (6 records), Apple Canyon Lake CDP (3 records), Apple River village (3 records).
Excessive Heat, Heatheat index (in event narratives)4 records, 1997 to 2013 (4 zone-level)3 days to 13 days (median 4 days); 4 with a recorded value13 consecutive days, 1999-07-19 to 1999-07-31, zone-levelCountywide (zone-level records).
Hurricane, Tropical Storm, Tropical DepressionSaffir-Simpson0Storm Events files every zone of a storm's episode under the storm's type; flooding from the storm is filed as Flood or Flash Flood records.
Ice StormSperry-Piltz ice scale (local data)7 records, 2000 to 2023 (7 zone-level)No damage reported in 7 records.Countywide (zone-level records).
Flash Flood, Flood, Lakeshore Flooddamage and flood days (flood depth: FIRM)65 records, 1997 to 2026 (6 zone-level)Flash Flood, 2017-07-21, $6,500,000 property; $1,000,000 crops (2017 dollars)Event records naming jurisdictions in the plan: East Dubuque city (17 records), Galena city (13 records), Stockton village (8 records), Warren village (2 records), Elizabeth village (1 record), Hanover village (1 record). Zone-level records (6) apply countywide.Flood depth: see the FEMA Flood Insurance Rate Map. Storm Events damage is often $0 or blank for floods, major ones included; FEMA Public Assistance by declaration (B1-d) shows which floods cost the most.
Debris Flownone (count and damage only)0
Lightningannualized frequency (the measure FEMA's Local Mitigation Planning Handbook names)4 records, 2003 to 2022Lightning, 2022-07-15, $20,000 property; $0 crops (2022 dollars)Event records naming jurisdictions in the plan: East Dubuque city (2 records), Elizabeth village (1 record), Galena city (1 record), Stockton village (1 record).Storm Events lists lightning with damage or casualties.
High Wind and Strong Wind (outside NRI's Strong Wind definition)wind speed (kt and mph)17 records, 1996 to 2021 (17 zone-level)47 kt (54 mph) to 63 kt (72 mph) (median 52 kt (60 mph)); 16 with a recorded value63 kt (72 mph) measured gust, High Wind, 2021-12-15; NWS zone ILZ001High Wind, 1997-04-06, $100,000 property; crops not reported (zone total, 1997 dollars)Countywide (zone-level records).
Thunderstorm Windwind speed (kt and mph)228 records, 1957 to 202650 kt (58 mph) to 78 kt (90 mph) (median 56 kt (64 mph)); 195 with a recorded value78 kt (90 mph) estimated gust, Thunderstorm Wind, 2015-06-22Thunderstorm Wind, 2010-04-05, $500,000 property; $0 crops (2010 dollars)Event records naming jurisdictions in the plan: Stockton village (45 records), Galena city (40 records), Warren village (18 records), Hanover village (15 records), Elizabeth village (13 records), Apple River village (8 records), East Dubuque city (8 records), Scales Mound village (3 records), Apple Canyon Lake CDP (2 records).
TornadoEnhanced Fujita (Fujita before Feb 2007)19 records, 1956 to 2026F/EF0 to F/EF2 (median F/EF1); 17 with a recorded valueF2 tornado, 1967-06-11, 4.3 mi path length (whole path, pre-1996), 500 yd wide, $250,000 property; crops not recorded (1967 dollars)Event records naming jurisdictions in the plan: Stockton village (2 records), Apple Canyon Lake CDP (1 record), Galena city (1 record), Hanover village (1 record), Scales Mound village (1 record), Warren village (1 record).Before 1996 a tornado is listed once, under the county where it began, with its whole path's rating and length; from 1996 on, each county lists its own segment. Length is not used to rank tornadoes (see Methods).
Wildfireacres burned (local data)0
Winter Storm, Heavy Snow, Blizzard, Lake-Effect Snow, Winter Weather, Sleetnone in data (snowfall: local data)156 records, 1996 to 2026 (156 zone-level)Heavy Snow, 2005-01-05, $10,000 property; crops not reported (2005 dollars); NWS zone ILZ001Countywide (zone-level records).

In event narratives only (local data needed): wind chill, temperature, heat index, ice thickness, acres burned and snow depth; any physical measure of debris flow and lightning.

Storm Events records are more complete after 1996; before 1996 only Tornado (from 1950), Hail and Thunderstorm Wind (from 1955) exist. Zone-level records from zones that no NWS zone-county file places in this county (mostly before 2020) are not counted here (the Methods page explains the zone matching).

Dollars are nominal (as reported), labeled with the year; not adjusted for inflation.

A monthly summary record covers most or all of a month; it does not count days at wave conditions.

Supports FEMA checklist item B1-d: previous occurrences

Federal declarations for this county: 16 declarations covering 13 separate hazard incidents counted in this packet (declarations for the same incident count once; non-natural and evacuation-only declarations are not counted).

Federal disaster declarations for this county

Sources: 1, 2, 3

DeclaredIncident beganFEMA numberTypeTitleMapped hazardCounty Public Assistancefederal share obligated, nominal dollarsFlagsNotes
2020-03-262020-01-20DR-4489-ILMajor disasterCOVID-19 PandemicNon-natural, not counted$48,041.92in the 12 months before plan approval
2020-03-132020-01-20EM-3435-ILEmergencyCOVID-19Non-natural, not countedno Public Assistance recordedin the 12 months before plan approvalsame incident as DR-4489
2011-03-172011-01-31DR-1960-ILMajor disasterSevere Winter Storm and SnowstormWinter Weather$108,073.85
2010-08-192010-07-19DR-1935-ILMajor disasterSevere Storms and FloodingInland Flooding$744,520.68
2008-03-132008-02-05EM-3283-ILEmergencyRecord Snow and Near Record SnowWinter Weather$44,015.35
2005-09-072005-08-29EM-3230-ILEmergencyHurricane Katrina EvacuationHurricane: evacuation support, not a local hazard event; not countedno Public Assistance recorded
2001-05-092001-04-18DR-1368-ILMajor disasterFloodingInland Floodingno Public Assistance recorded
1999-05-281999-05-16DR-1278-ILMajor disasterSevere Storms and Flash FloodingInland Flooding$28,358.96
1993-07-091993-04-13DR-997-ILMajor disasterSevere Storms & FloodingInland Floodingno Public Assistance recorded
1990-06-221990-05-15DR-871-ILMajor disasterSevere Storms, Tornadoes & FloodingInland Flooding; Tornadono Public Assistance recorded
1979-01-161979-01-16EM-3068-ILEmergencyBlizzards & SnowstormsWinter Weatherno Public Assistance recorded
1974-06-101974-06-10DR-438-ILMajor disasterSevere Storms & FloodingInland Floodingno Public Assistance recorded
1973-04-261973-04-26DR-373-ILMajor disasterSevere Storms & FloodingInland Floodingno Public Assistance recorded
1969-08-301969-08-30DR-276-ILMajor disasterHeavy Rains & FloodingInland Floodingno Public Assistance recorded
1969-06-061969-06-06DR-262-ILMajor disasterFloodingInland Floodingno Public Assistance recorded
1965-04-251965-04-25DR-194-ILMajor disasterTornadoes, Severe Storms & FloodingTornado (primary); also designated: Inland Floodingno Public Assistance recorded

County Public Assistance: applicants the FEMA record places in this county, including any state agencies FEMA files there; statewide rows are listed on the state page; federal share obligated, nominal dollars.

Statewide declarations

Source: 2

DeclaredIncident beganFEMA numberTypeTitleMapped hazard
1961-05-271961-05-27DR-115-ILMajor disasterFloods & TornadoesInland Flooding (primary); also designated: Tornado
1957-06-221957-06-22DR-78-ILMajor disasterFloodsInland Flooding

FEMA recorded these with designated area Statewide and no county, so they are listed on every county page in the state and not counted with county rows. Local data needed: whether each one affected this county.

Public Assistance not placed in any Illinois county: 1 row, $797,909.42; listed on the Illinois state page.

Source: 3

Previous occurrences by hazard, with explicit no-event rows

Sources: 2, 6, 7

HazardStorm Events records, all years on file(years in the Period column)Since plan approvalrecordsIn the 12 months before plan approvalrecordsLast 5 yearsrecordsDeclared incidents, all yearsseparate disastersDeclared since approvalseparate disastersPeriodStatement
Cold Wave24000001996 to 2026-06-30Includes 7 Frost/Freeze records.
Drought13000001996 to 2026-06-30
Earthquake000000Storm Events does not record earthquakes; the USGS earthquake catalog is the source.
Hail11327027001955 to 2026-06-30
Heat Wave4000001996 to 2026-06-30
Hurricane0000001996 to 2026-06-30No recorded events, 1996 to 2026-06-30, NOAA NCEI Storm Events
Ice Storm7101001996 to 2026-06-30
Inland Flooding65111111001996 to 2026-06-30
Landslide0000001996 to 2026-06-30No recorded events, 1996 to 2026-06-30, NOAA NCEI Storm Events
Lightning4101001996 to 2026-06-30
Strong Wind24545643001955 to 2026-06-30Includes 16 High Wind and 1 Strong Wind records.
Tornado19515201950 to 2026-06-30
Wildfire0000001996 to 2026-06-30No recorded events, 1996 to 2026-06-30, NOAA NCEI Storm Events
Winter Weather15617313301996 to 2026-06-30Includes 1 Sleet record.

Notable Storm Events records

Sources: 1, 6, 7

DateEvent typeMagnitude or extentDamagenominal dollarsDeaths, injuriesdirect onlyLocationFlagsWhy listed
2021-12-15High Wind63 kt (72 mph) measured gust$0 property; $0 crops (zone total, 2021 dollars)0, 0NWS zone ILZ001 (JO DAVIESS), zone-levelnew since last plan; within last 5 yearsB1-c worst recorded: High Wind and Strong Wind
2017-07-21Flash Flood$6,500,000 property; $1,000,000 crops (2017 dollars)0, 0EAST DUBUQUE to WHITTONB1-c worst recorded: Flash Flood, Flood, Lakeshore Flood
2015-06-22Thunderstorm Wind78 kt (90 mph) estimated gust$100,000 property; $0 crops (2015 dollars)0, 0MENOMINEEB1-c worst recorded: Thunderstorm Wind
2011-07-27Flash Flood$7,000,000 property; $0 crops (2011 dollars)3, 0EAST DUBUQUE to WARRENdeaths or injuries recorded
2009-07-24Thunderstorm Wind61 kt (70 mph) estimated gust$50,000 property; $0 crops (2009 dollars)0, 1GALENAdeaths or injuries recorded
2009-07-24Hail2.5 in$0 property; $0 crops (2009 dollars)0, 0STOCKTONB1-c worst recorded: Hail
2005-06-15Droughtdamage not reported0, 0NWS zone ILZ001 (JO DAVIESS), zone-levelB1-c worst recorded: Drought
2005-05-03Frost/Freezeproperty not reported; $264,000 crops (zone total, 2005 dollars)0, 0NWS zone ILZ001 (JO DAVIESS), zone-levelB1-c worst recorded: Frost/Freeze
2000-12-01Cold/Wind Chilldamage not reported0, 0NWS zone ILZ001 (JO DAVIESS), zone-levelB1-c worst recorded: Cold/Wind Chill, Extreme Cold/Wind Chill
1999-07-19Heatdamage not reported0, 0NWS zone ILZ001 (JO DAVIESS), zone-levelB1-c worst recorded: Excessive Heat, Heat
1999-02-11Thunderstorm Wind58 kt (67 mph), measurement type not recordeddamage not reported0, 2ELIZABETHdeaths or injuries recorded
1967-06-11TornadoF2, 4.3 mi path length (whole path, pre-1996), 500 yd wide$250,000 property; crops not recorded (1967 dollars)0, 0location not recordedB1-c worst recorded: Tornado

The full list is in the Excel file, sheet "B1-d Storm Events history" (650 rows).

Location is the place NOAA recorded, as written in its data; it need not be a jurisdiction in this plan.

Local data needed: state-declared emergencies, from your state emergency management agency (federal data do not include them).

FEMA's declaration data list no tribal or special-area declarations for this state.

Supports FEMA checklist item B1-e: probability of future events

Probability: FEMA annualized frequency and descriptor per hazard

Sources: 5, 6

HazardFEMA annualized frequency (modeled)unit per rowUnitIn plain termsDescriptorDescriptor basisNRI events or days in its record period (hail, wind and tornado are area-weighted, so can be fractional)NRI periodLocationNote
Cold Wave6.84event-days per yearabout 6.84 days per yearLikelyStorm Events event-days in 8 of 30 years, 1996 to 2025 (26.7%)1302005-11-12 to 2024-11-12 (19 years)countywide
Drought8.7event-days per yearabout 8.7 days per yearLikelyStorm Events event-days in 3 of 30 years, 1996 to 2025 (10%)2732000 to 2025 (25.25 years; D3 and D4 only)countywide
Earthquake0.000725annual probability at a locationchance a given location in the county has at least minor-damage shaking in a year: 0.0725%not shownmodeledsee B1-fNo descriptor (Storm Events does not record earthquakes).
Hail3.65events per yearabout 3.65 per yearHighly likelyFEMA annualized frequency (modeled)138.9 (modeled)1986 to 2023 (38 years)countywide
Heat Wave4.74event-days per yearabout 4.74 days per yearLikelyStorm Events event-days in 4 of 30 years, 1996 to 2025 (13.3%)712005-11-12 to 2024-11-12 (19 years)countywide
Hurricane0.00959events per yearabout 1 in 104 yearsUnlikelyFEMA annualized frequency (modeled)41851 to 2024 (Atlantic)see B1-fNRI counts hurricane and tropical storm tracks passing within storm-force wind range; federal declarations are in B1-d.
Ice Storm0.821event-days per yearabout 0.821 days per yearLikelyStorm Events event-days in 6 of 30 years, 1996 to 2025 (20%)551946-12-31 to 2014-02-12 (67 years)countywide
Inland Flooding1.54event-days per yearabout 1.54 days per yearLikelyStorm Events event-days in 23 of 30 years, 1996 to 2025 (76.7%)431996 to 2023 (28 years)see B1-f
Landslide0.497events per year (modeled)about 1 in 2 yearsLikelyFEMA annualized frequency (modeled)not shownmodeledsee B1-f
Lightning39.7days per year with a strikeabout 39.7 days per yearHighly likelyFEMA annualized frequency (modeled)not shown1995 to 2023 (29 years; CONUS)countywide
Strong Wind5.24events per yearabout 5.24 per yearHighly likelyFEMA annualized frequency (modeled)2001986 to 2023 (38 years)countywide
Tornado0.519events per yearabout 0.52 per yearLikelyFEMA annualized frequency (modeled)not shown1950 to 2023 (EF2+); 1986 to 2023 (EF0-1)see B1-f
Wildfire0.000104annual probability at a locationchance a given location in the county burns in a year: 0.0104%Storm Events records in 0 of 30 years, 1996 to 2025 (0%)not shownmodeledsee B1-fNo descriptor: no Storm Events record 1996 to 2025
Winter Weather16.5event-days per yearabout 16.5 days per yearHighly likelyStorm Events event-days in 29 of 30 years, 1996 to 2025 (96.7%)3142005-11-12 to 2024-11-12 (19 years)countywide

FEMA annualized frequency (modeled) is the National Risk Index v1.20 (December 2025) estimate of how often a hazard affects this county in a year; it is not recorded events divided by years, and its unit differs by hazard (events, event-days, or days with a lightning strike per year). For earthquake, wildfire, coastal flooding and tsunami the value is the chance (or number of events) at a location in the county, not across the county, so no "1 in N years" is given and the descriptor comes from Storm Events where it has a record (none for earthquake). The Methods page gives each hazard's method, from FEMA's National Risk Index Technical Documentation v1.20.

Where NRI gives event-days, the descriptor comes from the share of years with a Storm Events record; NRI's source records more events, so the two differ.

Descriptor scale used in this packet (defined per unit)

Sources: 5, 6

UnitDescriptorDefinition
events per yearHighly likely1 or more per year
events per yearLikelyabout once in 1 to 10 years
events per yearPossibleabout once in 10 to 100 years
events per yearUnlikelyless than once in 100 years
annual probabilityLikely10% to under 100% chance in a given year
annual probabilityPossible1% to under 10% chance in a given year
annual probabilityUnlikelyunder 1% chance in a given year
event-days (share of years)Highly likelyevent-days recorded in 90% or more of years
event-days (share of years)Likelyevent-days recorded in 10% to under 90% of years
event-days (share of years)Possibleevent-days recorded in some years but under 10% of years
lightning strike-daysHighly likelycloud-to-ground strikes on 1 or more days per year

Intensity bands: historical frequency (Storm Events)

Source: 6

HazardBandYearsEventscounty-coded recordsYears in periodEvents per yearevents / years
Hail1.00-1.99 in1996 to 202545301.5
Hail2.00 in+1996 to 20253300.1
Thunderstorm Wind (counted as NRI Strong Wind)50-64 kt1996 to 2025153305.1
Thunderstorm Wind (counted as NRI Strong Wind)65 kt+1996 to 202522300.733
Thunderstorm Wind (counted as NRI Strong Wind)unmeasured or below 50 kt1996 to 20256300.2
TornadoEF0-11996 to 20259300.3
TornadoEF2-31996 to 20251300.0333
TornadoEF4-51996 to 20250300
Tornadounrated (EFU)1996 to 20252300.0667

The bands show how often events of each severity were recorded in this county, to profile how severe events have been (FEMA's probability item asks for the range of intensities).

Hail smaller than 1 inch is not counted: on 2010-01-05 the National Weather Service raised its severe-hail threshold from 3/4 inch to 1 inch, so smaller reports became less common after 2009 (NWS Service Change Notice 09-52). NRI hail frequency uses a 0.75 inch threshold.

Optional: future conditions. Not a required item in the 2025 FEMA Local Mitigation Planning Policy Guide; some states ask for it. The federal Climate Mapping for Resilience and Adaptation (CMRA) site gives county exposure to future climate conditions (https://resilience.climate.gov/).

Supports FEMA checklist item B1-f: hazards that vary across jurisdictions

Range of census tract risk within the county

Source: 5

HazardTractsrated of allNRI risk score, 0 to 100Tracts by rating
MinMedianMax
Cold Wave7 of 785.992.297.7Very High 2, Relatively High 5
Drought7 of 787.093.397.1Relatively Moderate 4, Relatively Low 3
Earthquake7 of 721.127.928.9Very Low 7
Hail7 of 793.595.496.7Relatively High 7
Heat Wave7 of 742.757.378.0Relatively Moderate 4, Relatively Low 3
Hurricane7 of 729.530.933.1Very Low 7
Ice Storm7 of 777.381.183.6Relatively Moderate 7
Inland Flooding7 of 768.482.292.2Relatively High 6, Relatively Moderate 1
Landslide7 of 783.197.899.1Relatively Moderate 5, Relatively Low 2
Lightning7 of 738.247.367.6Relatively Moderate 3, Relatively Low 4
Strong Wind7 of 787.290.895.6Relatively High 7
Tornado7 of 779.689.596.2Very High 1, Relatively High 6
Wildfire7 of 753.467.074.0Relatively Low 3, Very Low 4
Winter Weather7 of 760.971.285.0Relatively High 1, Relatively Moderate 6

Drought: Agriculture is all of NRI's expected annual loss for this hazard in the county, so the tract range mostly reflects where crop and livestock value is.

Rated tracts only: No Rating (score 0.0), Not Applicable and Insufficient Data tracts are counted but not used for the minimum, median and maximum.

The score ranks a tract against all U.S. tracts (100 = highest). The rating is FEMA's category for the tract's risk value, computed differently, so the two can disagree.

Frequency data for cold wave, drought, hail, heat wave, ice storm, lightning, strong wind and winter weather are county-wide or coarse (49 km grid or NWS zone), the same for every jurisdiction; the tract range mostly reflects where buildings and people are (crop and livestock value where a line above names agriculture).

Each jurisdiction (starting figures from federal data)

Sources: 1, 3, 4, 6

JurisdictionTypePlan statusRepetitive lossFMA RL and SRL (44 CFR 77.2); repeat-flood, any definitionPublic Assistance to this jurisdictionFEMA records matched by applicant name; federal share obligated, nominal dollarsEvent records naming this placeall years; since its planNotes
Jo Daviess CountyCountyExpired on 2026-01-11FMA RL 1, SRL 1; any 4$79,566.420 total; 0 since its plan
Apple Canyon Lake CDPUnincorporatedExpired on 2026-01-11no Public Assistance recorded6 total; 1 since its planNo NFIP community ID on this jurisdiction's plan row.
Apple River villageVillageExpired on 2026-01-11FMA RL 0, SRL 0; any 0no Public Assistance recorded11 total; 0 since its plan
East Dubuque cityCityExpired on 2026-01-11FMA RL 1, SRL 5; any 19no Public Assistance recorded34 total; 4 since its plan
Elizabeth villageVillageExpired on 2026-01-11FMA RL 0, SRL 0; any 0$12,141.5921 total; 6 since its plan
Galena cityCityExpired on 2026-01-11FMA RL 0, SRL 0; any 1no Public Assistance recorded69 total; 14 since its plan
Hanover villageVillageExpired on 2026-01-11FMA RL 0, SRL 0; any 0$64,692.1828 total; 5 since its plan
Scales Mound villageVillageExpired on 2026-01-11FMA RL 0, SRL 0; any 0no Public Assistance recorded11 total; 2 since its plan
Stockton villageVillageExpired on 2026-01-11FMA RL 0, SRL 0; any 0$39,54172 total; 16 since its plan
The Galena Territory CDPUnincorporatedExpired on 2026-01-11no Public Assistance recorded0 total; 0 since its planNo NFIP community ID on this jurisdiction's plan row.
Warren villageVillageExpired on 2026-01-11FMA RL 0, SRL 0; any 0$22,170.6230 total; 6 since its plan

Repetitive-loss counts are for whole NFIP communities, which can extend beyond this county (see the note in B2-c).

County Public Assistance in B1-d also includes applicants filed under the county that are not jurisdictions in this plan (for example state agencies, special districts and nonprofits), so the jurisdiction rows add up to less.

Supports FEMA checklist items B2-a and B2-b: vulnerability and potential impacts

Local data needed

The table below gives county-level starting figures; the plan describes impacts for each jurisdiction and its own assets.

  • Critical facilities and lifelines per hazard
  • A problem statement per jurisdiction per hazard
  • Changes in development in hazard-prone areas since the last approval, or a statement of none (E1-a)
  • Future assets

County-level starter: exposure, expected annual loss and damage since the plan

Sources: 1, 2, 3, 5, 6, 7

HazardBuilding exposuremodeled dollarsAgriculture exposuremodeled dollarsPopulation exposedpeopleEAL buildingsmodeled dollars per yearEAL agriculturemodeled dollars per yearCost of expected deaths and injuriesFEMA's dollar value per year, not property damageEAL as % of exposurebuildings; agriculture where notedStorm Events damage since 2021-01-12county-coded records, property plus crops, nominal dollarsZone-level damage since planproperty plus crops, reported for the zonePublic Assistance since plannominal dollars; see noteNote
Cold Wave$9,967,573,724$195,597,66622,021$41$31,828$2,468,583under 0.0001%
Droughtn/a$103,741,454n/an/a$438,202n/a0.422% (agriculture)NRI has no building exposure for this hazard; agriculture shown
Earthquake$16,436,894,924n/a22,035$48,932n/a$8,3730.000298%
Hail$9,967,582,523$195,597,66622,021$929,976$125,498$14,7250.00933%$0
Heat Wave$9,967,573,724$195,597,66622,021$573$3$329,530under 0.0001%
Hurricane$9,942,777,353$190,367,95021,970$2,371$1,566under $1under 0.0001%
Ice Storm$9,967,573,724n/a22,021$79,384n/a$27,0480.000796%$0
Inland Flooding$9,949,702,547$5,891,493218$7,819,678$111,170$71,055n/a (see note)$0NRI counts the full building value of any census block with some flood loss; this is not the value of buildings in the floodplain. Use local FIRM overlays for B2-a/B2-b.
Landslide$904,121,562n/a2,082$7,089n/a$63,2330.000784%
Lightning$9,967,582,523n/a22,021$14,217n/a$58,5850.000143%$20,000
Strong Wind$9,967,582,523$195,597,66622,021$361,557$30,167$273,0140.00363%$0$0
Tornado$9,967,582,523$195,597,66622,021$1,466,968$2,540$788,4580.0147%$0
Wildfire$1,992,108,223$39,219,1145,011$7,277$30$5890.000365%
Winter Weather$9,967,573,724$195,597,66622,021$1,197$1,065$39,736under 0.0001%$0

Totals since 2021-01-12 (Storm Events through 2026-06-30): 88 county-coded records, 85 with a damage value recorded (including $0), $20,000; 19 zone-level records, 16 with a damage value recorded (including $0), $0 reported for the zone; Public Assistance: no counted declaration since the plan.

FEMA does not split Public Assistance by hazard. A declaration mapped to several hazards is listed under each of them with its full amount, so the per-hazard column does not add up to the total; the unit total counts each declaration once.

NRI computes earthquake exposure on its own basis, so it exceeds the county building value in B2-a.

Supports FEMA checklist item B2-a: vulnerability (county context)

County context

Source: 5

MeasureValue
Population22,021
Building value (total, not at risk)$9,967,582,523
Agriculture value (total, not at risk)$195,597,666
NRI risk rating (all hazards)Relatively Low
Expected annual loss, buildings and agriculture, all hazards$11,481,328
Expected annual loss, population equivalence, all hazards (NRI values each statistical life at $13.7M; a modeled value of expected deaths and injuries, not property damage)$4,142,929
Social vulnerability ratingRelatively Moderate
Community resilience ratingRelatively Moderate
NRI versionDecember 2025

FEMA's all-hazard expected annual loss adds buildings, agriculture and population equivalence; this table gives the property part and the population-equivalence part as separate rows.

Social vulnerability: higher means people are more likely to be harmed and slower to recover. Community resilience: lower means the community is less able to recover. High social vulnerability and low resilience both raise the NRI risk rating.

Supports FEMA checklist item B2-c: repetitive loss properties

Repetitive loss in this county, both definitions

Sources: 1, 4

DefinitionPropertiesSevere repetitive lossProperties
Repetitive loss, FMA definition (44 CFR 77.2)2Severe repetitive loss, FMA definition (44 CFR 77.2)6
Repetitive loss, NFIP insurance definition22Severe repetitive loss, NFIP insurance definition5

The state NFIP coordinator's list, the source FEMA's Handbook names, often uses the NFIP insurance definition (second row).

Repeat-flood properties: county and state-level rows

Sources: 1, 4

ScopeRL, FMApropertiesSRL, FMApropertiesRL, NFIPpropertiesSRL, NFIPpropertiesAny categorypropertiesMitigatedpropertiesCurrently insuredproperties
County total262252423
of which: East Dubuque city151741921
of which: Jo Daviess County (unincorporated area)1141401
of which: Galena city0010101
Statewide, no county in FEMA's file0050500

The statewide row counts properties FEMA's file gives with no county in this state; they are listed for reference and are not in this county's counts.

Repeat-flood properties by jurisdiction in the plan (NFIP community)

Sources: 1, 4

JurisdictionNFIP community IDRL, FMApropertiesSRL, FMApropertiesRL, NFIPpropertiesSRL, NFIPpropertiesAny categorypropertiesMitigatedpropertiesCurrently insuredproperties
Jo Daviess County1709021141401
Apple River village1711720000000
East Dubuque city170752151741921
Elizabeth village1711730000000
Galena city1751680010101
Hanover village1707550000000
Scales Mound village1711750000000
Stockton village1711760000000
Warren village1711770000000

Counts by occupancy group for each jurisdiction are in the Excel file, sheet "B2-c Jurisdictions".

Jurisdiction rows are whole NFIP communities and need not add up to the county total: a community that extends into another county is counted in full on each jurisdiction row, while the county table counts only its part in this county.

County repeat-flood properties by occupancy group

Sources: 1, 4

Occupancy groupRL, FMApropertiesSRL, FMApropertiesRL, NFIPpropertiesSRL, NFIPpropertiesAny categorypropertiesMitigatedpropertiesCurrently insuredproperties
single-family residential251832022
2 to 4 unit residential0010101
other residential0000000
non-residential0132300
not reported0000000

FEMA's occupancy groups have no institutional class; institutional properties are counted in non-residential or other residential in the table by occupancy group.

FMA RL and FMA SRL are the Flood Mitigation Assistance definitions (44 CFR 77.2), the ones the FEMA Local Mitigation Planning Policy Guide cites. NFIP repetitive loss (the FEMA insurance definition) is 2 or more claims over $1,000 in 10 years, and a property can leave that group once it is mitigated. Also shown: NFIP severe repetitive loss, any category, mitigated and currently insured. The Methods page gives the OpenFEMA field details.

Counts are aggregates of FEMA's public NFIP Multiple Loss Properties file (FEMA's data date 2026-08-02; file version 2026-08-04). No property is identified. County assignment is FEMA's geocode.

In this county 1 property is FMA repetitive loss but not NFIP repetitive loss, and 21 properties are NFIP repetitive loss but not FMA repetitive loss.

Exact counts; no count suppression.

Sources

Tables cite these sources by number. The full list, for the plan's bibliography (FEMA review item A4-a):

  1. FEMA, OpenFEMA HazardMitigationPlanStatuses v1, version 2026-09-29T134039Z, pulled 2026-09-30, https://www.fema.gov/api/open/v1/HazardMitigationPlanStatuses (API)
  2. FEMA, OpenFEMA DisasterDeclarationsSummaries v2, version 2026-09-29T162832Z, pulled 2026-09-30, https://www.fema.gov/api/open/v2/DisasterDeclarationsSummaries (API)
  3. FEMA, OpenFEMA PublicAssistanceFundedProjectsSummaries v1, version 2026-09-29T150754Z, pulled 2026-09-30, https://www.fema.gov/api/open/v1/PublicAssistanceFundedProjectsSummaries (API)
  4. FEMA, OpenFEMA NfipMultipleLossProperties v1, version 2026-08-04T164045Z, pulled 2026-09-30, https://www.fema.gov/api/open/v1/NfipMultipleLossProperties (API)
  5. FEMA, FEMA National Risk Index 1.20.0 (December 2025), county and census tract tables, version 1.20.0, pulled 2026-09-30, https://www.fema.gov/about/reports-and-data/openfema/nri/v120/NRI_Table_Counties.zip (download, 25 MB), https://www.fema.gov/about/reports-and-data/openfema/nri/v120/NRI_Table_CensusTracts.zip (download, 635 MB)
  6. NOAA NCEI, NOAA NCEI Storm Events Database, details files (csvfiles v1.0), version c20260918, pulled 2026-09-30, https://www.ncei.noaa.gov/pub/data/swdi/stormevents/csvfiles/
  7. NOAA National Weather Service, NWS county-public forecast zones correlation file, version bp03mr20 to bp16ap26 (11 files; newest bp16ap26), pulled 2026-09-30, https://www.weather.gov/gis/ZoneCounty
  8. U.S. Census Bureau, Census 2024 Gazetteer, 2020 place by county, CT county-to-cousub crosswalk, version 2024-gazetteer, pulled 2026-09-30, https://www2.census.gov/geo/docs/maps-data/data/gazetteer/2024_Gazetteer/2024_Gaz_counties_national.zip, https://www2.census.gov/geo/docs/maps-data/data/gazetteer/2024_Gazetteer/2024_Gaz_cousubs_national.zip, https://www2.census.gov/geo/docs/maps-data/data/gazetteer/2024_Gazetteer/2024_Gaz_place_national.zip, https://www2.census.gov/geo/docs/maps-data/data/gazetteer/2024_Gazetteer/2024_Gaz_unsd_national.zip, https://www2.census.gov/geo/docs/maps-data/data/gazetteer/2024_Gazetteer/2024_Gaz_elsd_national.zip, https://www2.census.gov/geo/docs/maps-data/data/gazetteer/2024_Gazetteer/2024_Gaz_scsd_national.zip, https://www2.census.gov/geo/docs/reference/codes2020/national_place_by_county2020.txt, https://www2.census.gov/geo/docs/reference/ct_change/ct_cou_to_cousub_crosswalk.xlsx (used to match place names and codes; no table prints its values)

What this packet is and what the plan adds

This packet is the federal data for the plan's risk assessment (the summary on page 1 says how it is organized); the plan and FEMA's review decide whether each item is met.

The plan adds what only the community has: local data on assets, critical facilities, development and each jurisdiction's impacts; local hazard history, including state-declared emergencies; the mitigation strategy; and adoption.

How the federal data are built: National Risk Index values are FEMA's model, not counts of events. Storm Events is more complete from 1996; zone-level records are placed by forecast zone, not by location in the county. Public Assistance for a jurisdiction is matched by applicant name. The Methods page gives every rule and the known edge cases.

OpenFEMA disclaimer

This product uses the Federal Emergency Management Agency's OpenFEMA API, but is not endorsed by FEMA. The Federal Government or FEMA cannot vouch for the data or analyses derived from these data after the data have been retrieved from the Agency's website(s).

Reuse, citation and corrections

Reuse and citation: Hazard Plain text and tables are licensed under Creative Commons Attribution 4.0 International (CC BY 4.0, https://creativecommons.org/licenses/by/4.0/); credit Hazard Plain and the release. The underlying federal data are public domain; OpenFEMA data are also subject to the OpenFEMA terms and conditions.

Cite this: Hazard Plain (2026). Jo Daviess County, IL: risk-assessment baseline packet, release 2026-10 (data as of 2026-09-30; County FIPS 17085). Automated baseline. https://hazardplain.org/il/17085/ Built from FEMA OpenFEMA, the FEMA National Risk Index and NOAA NCEI Storm Events; source versions in the packet's Sources list.

Corrections: to report an error, name the packet, the table and what your records show. Contact: [email protected]