Storm risk in Champaign County, Illinois
FEMA's overall hazard score for Champaign County is 90.46 (Relatively Moderate), 301st of 3,144 counties. Hail scores 90.39 (Relatively Moderate), strong wind 84.35 (Relatively High) and tornado 94.85 (Relatively High). Expected hail loss is $41 per $1 million of buildings a year; NOAA logged 106 hail reports in Champaign County from 2014 to June 2026.
FEMA National Risk Index, version December 2025, retrieved October 8, 2026. NOAA hail reports 2014 to June 2026.
- Champaign County, coloured by its FEMA rating
- all U.S. counties
- each county in the state
- U.S. median
- state median
Expected yearly loss per $1 million of buildings, log scale. Dot colour is FEMA’s rating band. The tornado lane counts everything exposed, not only buildings.
How FEMA rates Champaign County
| Hazard | Rating | Score (0 to 100) | Rank in U.S. | Rank in IL |
|---|---|---|---|---|
| Overall | Relatively Moderate | 90.46 | 301 of 3,144 | 12 of 102 |
| Hail | Relatively Moderate | 90.39 | 303 of 3,126 | 10 of 102 |
| Strong wind | Relatively High | 84.35 | 493 of 3,126 | 33 of 102 |
| Tornado | Relatively High | 94.85 | 163 of 3,126 | 12 of 102 |
Expected yearly loss, in dollars
| Hazard | This county, total a year | Per $1M of buildings | State median county | U.S. median county | Rank per $1M, U.S. | Rank per $1M, state |
|---|---|---|---|---|---|---|
| Hail | $1,781,442 | $41 | $46 | $22 | 1,121 of 3,126 | 67 of 102 |
| Strong wind | $639,318 | $15 | $55 | $20 | 1,886 of 3,121 | 91 of 102 |
| Tornado | $12,593,034 | $288 | $255 | $199 | 1,089 of 3,144 | 29 of 102 |
Rank 1 is the highest. Overall, hail and wind losses count buildings; the tornado row counts everything FEMA exposes, so it overstates building damage. Expected annual loss is an average over many years for the whole county, not a forecast for one roof.
What stands out in Champaign County
- FEMA expects hail in Champaign County to cost $41 per $1 million of buildings a year: 1.82 times the U.S. median and 0.88 times the IL county median, ranked 1,121st of 3,126 counties nationally and 67th of 102 in Illinois.
- FEMA expects strong wind in Champaign County to cost $15 per $1 million of buildings a year: 0.72 times the U.S. median and 0.27 times the IL county median, ranked 1,886th of 3,121 counties nationally and 91st of 102 in Illinois.
- FEMA expects tornado in Champaign County to cost $288 per $1 million of buildings a year: 1.45 times the U.S. median and 1.13 times the IL county median, ranked 1,089th of 3,144 counties nationally and 29th of 102 in Illinois.
- Applying FEMA's estimate to a $205,100 home, the average yearly loss in Champaign County is about $8.36 for hail and $3.00 for wind before any deductible; at the U.S. median county rates it would be $4.58 and $4.18.
- If the next years look like 2014 to 2025, a roof kept 20 years in Champaign County meets about 35.0 hail days of 1 inch or more; the median county in NOAA's file (1,275 counties) would give 35.0.
- Built in 1982, the median home in Champaign County is 44 years old, so an original roof has outlived a 3-tab shingle (15 to 20 years) and an architectural one (25 to 30 years); 72.1% of its 94,351 homes are at least 26 years old.
- March to June holds 78 of the 106 hail reports in Champaign County (74 percent); the quietest month is January, with 0 reports.
What hail and wind cost a home here in an average year
Enter a home value. The calculator applies Champaign County’s own loss rate: the county’s expected yearly loss divided by the value of its buildings. It starts at the Census median home value for the county.
Formula: home value × Champaign County yearly loss ÷ building value. Hail: $1,781,442 ÷ $43,719,588,342 = 0.0000407. Wind: $639,318 ÷ $43,719,588,342 = 0.0000146. This is FEMA’s estimate of average damage to buildings and does not account for your deductible. Tornado is left out because FEMA’s tornado loss counts people and other exposure, not only buildings.
Read this as a yardstick. The rate is an average over every building in the county, from sheds to office towers, and over many years. Real losses come in rare, large storms; a roof with no damage in 19 years can need full replacement in the 20th. The figure is not a quote and not a prediction for one address.
Champaign County in plain numbers
- Champaign County scores 90.46 in FEMA's overall hazard index (Relatively Moderate): 301st of 3,144 rated counties and 12th of 102 in Illinois.
- Hail scores 90.39 (Relatively Moderate). FEMA expects $1,781,442 of hail damage to buildings in Champaign County a year, which is $41 per $1 million of buildings, 1.82 times the U.S. median.
- Strong wind scores 84.35 (Relatively High) with $639,318 of expected yearly building loss in Champaign County: $15 per $1 million of buildings, 0.72 times the U.S. median.
- Tornado scores 94.85 (Relatively High) and FEMA's expected yearly tornado loss is $12,593,034, counting everything exposed, or $288 per $1 million of buildings in Champaign County.
- FEMA's own event record for Champaign County averages 2.70 hail events and 4.19 strong-wind events a year.
- NOAA logged 106 hail reports in Champaign County between 2014 and June 2026, on 24 days with stones of 1 inch or more; the largest was 3 inches.
- In Champaign County, FEMA counts buildings worth 43.72 billion dollars and 205,823 residents.
- Social vulnerability is Relatively Low in Champaign County.
- Community resilience there is Very High, for 205,823 residents.
- 1 city in Champaign County is covered on this site: Champaign. 29 Census ZIP areas have more than half of their land in the county.
- Our guide range for a 2,000 sq ft asphalt roof in Champaign is $6,790 to $15,035.
- Champaign County ranks 80 of the 194 counties with a page here for hail loss per $1 million of buildings, 82 for wind and 67 for tornado.
- In Champaign County, May is the busiest month with 31 of the 106 reports (29 percent), against 0 reports in November.
- Champaign County's worst year was 2015, with 4 hail days at 1 inch or more and 13 reports. At the 2014 to 2025 pace that is 1.75 such days a year, one about every 6.9 months.
- The median home in Champaign County was built in 1982; 48.0% of its 94,351 housing units date from before 1980, 72.1% from before 2000 and 13.1% from 2010 on.
- Census puts the median home value in Champaign County at $205,100, and 53.4% of homes are lived in by their owners.
- 3,388 single-family building permits were issued in Champaign County from 2014 to 2025, about 35.9 per 1,000 homes, peaking in 2016.
- NOAA lists 18 tornado tracks in Champaign County since 2014; the strongest was an EF2 on September 9, 2016 near Block, 6.26 miles long.
- The fastest gust in NOAA's records for Champaign County is 82 mph on June 29, 2023 at Mahomet.
- The nearest county with a page here is McLean County, 44 miles from the centre of Champaign County; its hail score is 88.33.
- Across counties the median is one roofing firm for every 5,189 homes; Census counted 13 roofing contractor establishments in Champaign County in 2023, one for every 7,258 homes.
The hail record of Champaign County, year by year
NOAA logged 106 reports in Champaign County; hail of 1 inch or more fell on 24 days. That is 1.8 such days a year; the median county in NOAA’s file has 1.8.
- reports
- days with hail of 1 inch or more
- * 2026 runs to June only
Reports by calendar month, all years together. Peak: May, 31 reports.
The same numbers as a table (years with at least one report)
| Year | Reports | Days, 1 inch or more | Days, 1.75 inch or more | Largest stone | Damage reported |
|---|---|---|---|---|---|
| 2014 | 10 | 1 | 1 | 1.75 in | $800,000 |
| 2015 | 13 | 4 | 1 | 3 in | – |
| 2016 | 3 | 1 | 0 | 1 in | – |
| 2017 | 6 | 2 | 0 | 1.25 in | – |
| 2018 | 4 | 0 | 0 | 0.88 in | – |
| 2019 | 7 | 3 | 1 | 1.75 in | – |
| 2020 | 7 | 3 | 1 | 2 in | $5,000,000 |
| 2022 | 14 | 2 | 1 | 2.5 in | – |
| 2023 | 11 | 3 | 0 | 1.5 in | – |
| 2024 | 5 | 1 | 0 | 1 in | – |
| 2025 | 6 | 1 | 1 | 2 in | – |
| 2026 (to June) | 20 | 3 | 2 | 1.75 in | – |
Biggest hail days in Champaign County
| Date | Largest stone | Reports that day | Damage reported | Near |
|---|---|---|---|---|
| April 9, 2015 | 3 in | 6 | none recorded | Mahomet |
| September 19, 2022 | 2.5 in | 10 | none recorded | Mahomet |
| July 11, 2020 | 2 in | 5 | $5,000,000 | Mira Station |
| May 20, 2025 | 2 in | 5 | none recorded | Mahomet |
| March 26, 2026 | 1.75 in | 13 | none recorded | Fisher |
Where large hail was reported
FEMA scores the county as a whole. NOAA’s reports show where inside Champaign County the big stones fell.
Reported hail locations, Champaign County
- 471 to 1.74 in
- 151.75 to 2.74 in, golf ball to tennis ball
- 12.75 in and up, baseball
Largest plotted stone: 3 in. Bigger dots are bigger stones.
63 reports of 1 inch or larger have coordinates. Each dot is a reported location, not a storm path.
Sources: NOAA, Census county outlineWind and tornado records for Champaign County
Fastest gusts in Champaign County
| Date | Gust | Near |
|---|---|---|
| June 29, 2023 | 82 mph | Mahomet |
| June 10, 2018 | 81 mph | Staley |
| June 29, 2023 | 81 mph | Univ Ill Willard Arp |
| June 29, 2023 | 81 mph | Country Esquire |
Strongest tornado tracks in Champaign County
| Date | Scale | Length | Injured / killed | Near |
|---|---|---|---|---|
| September 9, 2016 | EF2 | 6.26 mi | 0 / 0 | Block |
| June 11, 2026 | EF1 | 8.95 mi | 0 / 0 | Rising |
| June 11, 2026 | EF1 | 2.39 mi | 0 / 0 | Ludlow |
| March 14, 2025 | EF1 | 13.72 mi | 0 / 0 | Sellers |
18 tornado tracks in all since 2014; the strongest 4 are listed.
How old the roofs are
Census counts homes by the decade they were built. Under each bar is the number of hail days of 1 inch or more that an original roof from that decade has met, at Champaign County’s 2014 to 2025 pace of 1.75 such days a year. Most roofs have been replaced since; the row shows what a roof that never was would have taken.
Bars: share of 94,351 housing units by decade built. Figures under the decade: hail days met by an original roof, at the county’s 2014 to 2025 pace. The pace of earlier years is unknown.
| Median year built | 1982 |
| Built before 1980 | 48.0% |
| Built before 2000 | 72.1% |
| Built since 2010 | 13.1% |
| Owner-occupied | 53.4% |
| Median home value | $205,100 |
| Single-family permits, 2014 to 2025 | 3,388 |
| Permits per 1,000 homes | 35.9 |
Asphalt shingles are rated 15 to 20 years (3-tab) and 25 to 30 years (architectural). Source: Census ACS 2019 to 2023 and Building Permits Survey.
Roofers and past disasters in Champaign County
Roofing firms in Champaign County
| Roofing contractor establishments, 2023 | 13 |
| Change since 2016 | +3 (+30%) |
| Homes per roofing firm | 7,258 |
| Median across counties | 5,189 |
| Employees, 2023 | 68 |
Source for Champaign County: Census County Business Patterns, NAICS 238160.
Nearby counties
The closest counties that have a risk page, by distance between county centres. Loss is per $1 million of buildings; the columns marked "times here" divide the neighbour's loss by Champaign County's.
| County | Miles | Overall | Hail loss | Hail, times here | Wind loss | Wind, times here | NOAA hail reports |
|---|---|---|---|---|---|---|---|
| McLean County, IL | 44 | Relatively Moderate | $47 | 1.15 | $32 | 2.19 | 83 |
| Macon County, IL | 46 | Relatively Moderate | $43 | 1.06 | $20 | 1.38 | 64 |
| Sangamon County, IL | 79 | Relatively Moderate | $50 | 1.23 | $13 | 0.91 | 143 |
| Peoria County, IL | 90 | Relatively Moderate | $65 | 1.60 | $21 | 1.46 | 116 |
| Will County, IL | 93 | Relatively High | $2.24 | 0.05 | $1.70 | 0.12 | 111 |
| Winnebago County, IL | 159 | Relatively Moderate | $61 | 1.51 | $25 | 1.68 | 83 |
Cities and ZIP areas in Champaign County
1 city in this county is on PickARoofer. ZIP Code Tabulation Areas are Census shapes that approximate ZIP codes; where we have a city’s ZIPs, the share is the part of each area’s land that lies in this county. 29 such areas have more than half their land here.
| City | ZIP areas (share of land in the county) | Pages |
|---|---|---|
| Champaign | 61820 (100%), 61821 (100%), 61822 (100%) | Roofers |
Storm hit your roof in Champaign County? A free inspection tells you if there is damage. One local roofer answers, not five.
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How high is storm risk in Champaign County?
FEMA's National Risk Index gives Champaign County an overall score of 90.46 (Relatively Moderate), 301st of 3,144. Hail scores 90.39 (Relatively Moderate), strong wind 84.35 (Relatively High) and tornado 94.85 (Relatively High).
In Champaign County, how many hail reports has NOAA logged?
A report is one entry for one storm in one county, so counts follow where people live as well as where hail fell. NOAA has 106 for Champaign County between 2014 and June 2026, on 24 days with hail of 1 inch or more; the largest stone was 3 inches.
What do hail and wind cost a home in Champaign County each year, on average?
Applying FEMA's county rates to its median home value of $205,100: FEMA's estimate is about $8.36 a year for hail and $3.00 for wind, before any deductible, against $4.58 and $4.18 at the U.S. median county rates. This is an average over many years and all buildings, not a prediction for one roof; one bad storm costs far more than the average year.
How does Champaign County compare with the rest of Illinois?
Per $1 million of buildings Champaign County loses $41 to hail a year, against $46 in the median county of the state. Among 102 rated counties it is 10th for hail, 33rd for strong wind and 12th for tornado.
How old are the roofs in Champaign County?
The median home was built in 1982, 44 years ago, and 72.1% of the 94,351 housing units in Champaign County date from before 2000. Asphalt shingles are rated 15 to 20 years (3-tab) or 25 to 30 years (architectural), so an original roof of either kind is past its rated life. The Census does not record when a roof was replaced.
What does expected annual loss mean?
It is FEMA's estimate of the average yearly loss from a hazard, in dollars, summed over the county. It is built for comparing counties at planning level, not for pricing one house.
Does a high rating mean my roof will be damaged?
No. The index compares counties and cannot say what will happen on your street. After a storm, a roof inspection is the only way to know.
Sources for Champaign County: FEMA National Risk Index, version December 2025, retrieved October 8, 2026; NOAA Storm Events Database hail reports for Champaign County; Census Bureau ZCTA-to-county relationship file (2020); Census ACS and Building Permits Survey, homes in Champaign County; Census County Business Patterns, roofing firms in Champaign County. Planning-level information about Champaign County, not an inspection and not insurance advice.
This product uses the Federal Emergency Management Agency's National Risk Index dataset 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).