riskbycounty
FEMA National Risk Index

Hardin County Disaster Risk

Hardin County, Illinois

FEMA Risk Rating

Very Low

National Percentile

8th

of 3,144 counties

State Rank

#98

of 102 (1 = highest risk)

Flood Risk

15th

percentile

Hazard Risk Breakdown

Flood

River, coastal, and surface flooding risk

Very Low

Higher than 15% of US counties

Wildfire

Wildland and wildland-urban interface fire risk

Very Low

Higher than 5% of US counties

Tornado

Tornado and severe thunderstorm risk

Very Low

Higher than 31% of US counties

Earthquake

Seismic activity and ground shaking risk

Relatively Low

Higher than 69% of US counties

Hurricane

Tropical cyclone and hurricane risk

Very Low

Higher than 25% of US counties

Risk Advisory: Hardin County

Risk Verdict

Hardin County has a very low overall disaster risk profile, scoring in the 8th percentile nationally. This county is among the safer counties in the United States from a natural disaster perspective, though no area is entirely risk-free.

Hazard Breakdown

Earthquake risk is the dominant hazard for Hardin County, scoring in the 69th percentile nationally. It is followed by tornado risk at the 31th percentile. Additional hazards include hurricane (25th), flood (15th), wildfire (5th).

Preparedness Context

With earthquake risk as the top concern, Hardin County residents should secure heavy furniture and appliances, know how to shut off utilities, and keep emergency supplies accessible. Secondary risks such as tornado also warrant attention in household and community preparedness planning. FEMA recommends all households maintain at least 72 hours of food, water, and medication supplies regardless of specific hazard exposure.

Regional Context

Hardin County is notably safer than the average county in Illinois. Its composite risk score is 46.2 points lower than the state average, indicating below-average exposure to natural hazards relative to other counties in the state.

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Frequently Asked Questions

What is the natural disaster risk in Hardin County, IL?
Hardin County has a FEMA National Risk Index rating of Very Low, placing it in the 8th percentile nationally out of 3,144 counties. This composite score reflects the county's overall exposure to natural hazards including floods, wildfires, tornadoes, earthquakes, and hurricanes, weighted by expected annual loss and social vulnerability.
What types of natural hazards affect Hardin County?
Hardin County is evaluated for five major natural hazard types: earthquake (69th percentile), tornado (31th percentile), hurricane (25th percentile), flooding (15th percentile), wildfire (5th percentile). The highest-risk hazard is earthquake at the 69th percentile nationally. These scores are derived from FEMA's National Risk Index, which analyzes expected annual loss, social vulnerability, and community resilience for each hazard type.
How does Hardin County risk compare to the Illinois average?
Hardin County's composite risk percentile is 8th, compared to the Illinois state average of 55th percentile. The state's overall risk rating is Relatively Low. This means Hardin County faces lower natural disaster risk than the typical county in Illinois.
Is Hardin County at risk for earthquake?
Yes, Hardin County's earthquake risk is at the 69th percentile nationally. This is above the national median. For flooding specifically, Hardin County is at the 15th percentile.
How is natural disaster risk measured?
FEMA's National Risk Index (NRI) calculates risk scores for 18 natural hazard types across all U.S. counties and census tracts. The composite score combines Expected Annual Loss (estimated dollar losses from each hazard), Social Vulnerability (demographic factors affecting disaster impact), and Community Resilience (ability to recover). Percentile scores rank each county against all 3,144 U.S. counties, and risk ratings range from Very Low to Very High.
Is Hardin County a safe place to live?
Hardin County's composite risk score of 8th percentile is below the Illinois state average of 55th percentile, indicating relatively lower exposure to natural hazards. However, no county is completely risk-free. The primary hazard type is earthquake at the 69th percentile. Residents should still maintain emergency preparedness plans and appropriate insurance coverage.

Counties with Similar Risk

Mercer County

Illinois

+0.5

Very Low

9th percentile

Putnam County

Illinois

+0.9

Very Low

9th percentile

Stark County

Illinois

-1.0

Very Low

7th percentile

By Logan Johnson, Founder & Data EditorUpdated Reviewed by Logan Johnson, Founder & Data Editor

Data Source

Risk data sourced from the FEMA National Risk Index (NRI). Risk scores are relative rankings (0–100) across all US counties — not absolute risk measures. Higher scores indicate higher relative risk compared to other counties.

Disclaimer: This data is informational only. It is not financial, insurance, or legal advice. Always consult a qualified professional before making insurance or real estate decisions.

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