Storm risk in McLean County, Illinois

FEMA's overall hazard score for McLean County is 86.90 (Relatively Moderate), 413th of 3,144 counties. Hail scores 88.33 (Relatively Moderate), strong wind 81.81 (Relatively Moderate) and tornado 89.57 (Relatively Moderate). Expected hail loss is $47 per $1 million of buildings a year; NOAA logged 83 hail reports in McLean County from 2014 to June 2026.

FEMA National Risk Index, version December 2025, retrieved October 8, 2026. NOAA hail reports 2014 to June 2026.

McLean County: expected yearly loss per $1 million of buildings for hail, strong wind and tornado, on a log scale, against all U.S. counties and the counties of IL$0.1$1$10$100$1,000Hail: $47 per $1 million, 999th of 3,126 rated counties$47Hail999th of 3,126 countiesStrong wind: $32 per $1 million, 1,179th of 3,121 rated counties$32Strong wind1,179th of 3,121 countiesTornado: $225 per $1 million, 1,410th of 3,144 rated counties$225Tornado1,410th of 3,144 counties
  • McLean 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 McLean County

HazardRatingScore (0 to 100)Rank in U.S.Rank in IL
OverallRelatively Moderate 86.90413 of 3,14415 of 102
HailRelatively Moderate 88.33368 of 3,12613 of 102
Strong windRelatively Moderate 81.81573 of 3,12635 of 102
TornadoRelatively Moderate 89.57329 of 3,12616 of 102

Expected yearly loss, in dollars

HazardThis county, total a yearPer $1M of buildingsState median countyU.S. median countyRank per $1M, U.S.Rank per $1M, state
Hail$1,823,688$47 $46$22 999 of 3,12650 of 102
Strong wind$1,248,715$32 $55$20 1,179 of 3,12179 of 102
Tornado$8,761,045$225 $255$199 1,410 of 3,14466 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 McLean County

  • FEMA expects hail in McLean County to cost $47 per $1 million of buildings a year: 2.10 times the U.S. median and 1.02 times the IL county median, ranked 999th of 3,126 counties nationally and 50th of 102 in Illinois.
  • FEMA expects strong wind in McLean County to cost $32 per $1 million of buildings a year: 1.57 times the U.S. median and 0.59 times the IL county median, ranked 1,179th of 3,121 counties nationally and 79th of 102 in Illinois.
  • FEMA expects tornado in McLean County to cost $225 per $1 million of buildings a year: 1.13 times the U.S. median and 0.88 times the IL county median, ranked 1,410th of 3,144 counties nationally and 66th of 102 in Illinois.
  • Applying FEMA's estimate to a $198,300 home, the average yearly loss in McLean County is about $9.29 for hail and $6.36 for wind before any deductible; at the U.S. median county rates it would be $4.43 and $4.04.
  • If the next years look like 2014 to 2025, a roof kept 20 years in McLean County meets about 30.0 hail days of 1 inch or more; the median county in NOAA's file (1,275 counties) would give 35.0.
  • Built in 1981, the median home in McLean County is 45 years old, so an original roof has outlived a 3-tab shingle (15 to 20 years) and an architectural one (25 to 30 years); 76.3% of its 75,120 homes are at least 26 years old.
  • March to June holds 67 of the 83 hail reports in McLean County (81 percent); the quietest month is October, with 0 reports.

What hail and wind cost a home here in an average year

Enter a home value. The calculator applies McLean 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.

$9.29hail, a year; $4.43 at the U.S. median county rate
$6.36strong wind, a year; $4.04 at the U.S. median county rate
$313hail and wind together over 20 years, at today’s rate

Formula: home value × McLean County yearly loss ÷ building value. Hail: $1,823,688 ÷ $38,939,144,454 = 0.0000468. Wind: $1,248,715 ÷ $38,939,144,454 = 0.0000321. 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.

McLean County in plain numbers

  • McLean County scores 86.90 in FEMA's overall hazard index (Relatively Moderate): 413th of 3,144 rated counties and 15th of 102 in Illinois.
  • Hail scores 88.33 (Relatively Moderate). FEMA expects $1,823,688 of hail damage to buildings in McLean County a year, which is $47 per $1 million of buildings, 2.10 times the U.S. median.
  • Strong wind scores 81.81 (Relatively Moderate) with $1,248,715 of expected yearly building loss in McLean County: $32 per $1 million of buildings, 1.57 times the U.S. median.
  • Tornado scores 89.57 (Relatively Moderate) and FEMA's expected yearly tornado loss is $8,761,045, counting everything exposed, or $225 per $1 million of buildings in McLean County.
  • FEMA's own event record for McLean County averages 3.27 hail events and 5.13 strong-wind events a year.
  • NOAA logged 83 hail reports in McLean County between 2014 and June 2026, on 19 days with stones of 1 inch or more; the largest was 2.75 inches.
  • In McLean County, FEMA counts buildings worth 38.94 billion dollars and 170,926 residents.
  • Social vulnerability is Very Low in McLean County.
  • Community resilience there is Very High, for 170,926 residents.
  • 1 city in McLean County is covered on this site: Bloomington. 23 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 Bloomington is $6,790 to $15,035.
  • McLean County ranks 66 of the 194 counties with a page here for hail loss per $1 million of buildings, 33 for wind and 92 for tornado.
  • In McLean County, May is the busiest month with 33 of the 83 reports (40 percent), against 1 report in November.
  • McLean County's worst year was 2015, with 3 hail days at 1 inch or more and 11 reports. At the 2014 to 2025 pace that is 1.50 such days a year, one about every 8.0 months.
  • The median home in McLean County was built in 1981; 49.4% of its 75,120 housing units date from before 1980, 76.3% from before 2000 and 7.1% from 2010 on.
  • Census puts the median home value in McLean County at $198,300, and 65.2% of homes are lived in by their owners.
  • 2,261 single-family building permits were issued in McLean County from 2014 to 2025, about 30.1 per 1,000 homes, peaking in 2022.
  • NOAA lists 20 tornado tracks in McLean County since 2014; the strongest was an EF2 on December 1, 2018 near Le Roy, 2.44 miles long.
  • The fastest gust in NOAA's records for McLean County is 96 mph on July 15, 2024 at Mc Lean.
  • The nearest county with a page here is Champaign County, 44 miles from the centre of McLean County; its hail score is 90.39.
  • Across counties the median is one roofing firm for every 5,189 homes; Census counted 6 roofing contractor establishments in McLean County in 2023, one for every 12,520 homes.

The hail record of McLean County, year by year

NOAA logged 83 reports in McLean County; hail of 1 inch or more fell on 19 days. That is 1.5 such days a year; the median county in NOAA’s file has 1.8.

McLean County: NOAA hail reports per year, 2014 to June 2026, with the number of days that had hail of 1 inch or more0510152025302014: 3 reports, 1 days at 1 inch or more, largest 2.75 inch142015: 11 reports, 3 days at 1 inch or more, largest 1.5 inch152016: 3 reports, 2 days at 1 inch or more, largest 1.5 inch162017: 6 reports, 0 days at 1 inch or more, largest 0.88 inch172018: 2 reports, 1 days at 1 inch or more, largest 1 inch182019: 2 reports, 2 days at 1 inch or more, largest 1.25 inch192020: 2 reports, 1 days at 1 inch or more, largest 1 inch202021: 3 reports, 1 days at 1 inch or more, largest 1.75 inch212022: 3 reports, 2 days at 1 inch or more, largest 1.75 inch222023: 12 reports, 2 days at 1 inch or more, largest 2 inch232024: 3 reports, 1 days at 1 inch or more, largest 1 inch242025: 28 reports, 2 days at 1 inch or more, largest 2.5 inch252026: 5 reports, 1 days at 1 inch or more, largest 1 inch26*
  • reports
  • days with hail of 1 inch or more
  • * 2026 runs to June only
McLean County: NOAA hail reports by calendar month, 2014 to June 2026January: 1 reports1JanFebruary: 3 reports3FebMarch: 7 reports7MarApril: 15 reports15AprMay: 33 reports33MayJune: 12 reports12JunJuly: 6 reports6JulAugust: 3 reports3AugSeptember: 2 reports2SepOctober: 0 reports0OctNovember: 1 reports1NovDecember: 0 reports0Dec

Reports by calendar month, all years together. Peak: May, 33 reports.

The same numbers as a table (years with at least one report)
YearReportsDays, 1 inch or moreDays, 1.75 inch or moreLargest stoneDamage reported
20143112.75 in–
201511301.5 in–
20163201.5 in–
20176000.88 in–
20182101 in–
20192201.25 in–
20202101 in–
20213111.75 in–
20223211.75 in–
202312222 in–
20243101 in–
202528212.5 in–
2026 (to June)5101 in–

Biggest hail days in McLean County

DateLargest stoneReports that dayDamage reportedNear
May 11, 20142.75 in3none recordedTowanda
May 15, 20252.5 in26none recordedNormal
April 19, 20232 in7none recordedLe Roy
June 29, 20231.75 in3none recordedStanford
September 7, 20211.75 in1none recordedColfax

Where large hail was reported

FEMA scores the county as a whole. NOAA’s reports show where inside McLean County the big stones fell.

Reported hail locations, McLean County

1 in hail1 in hail1 in hail1 in hail1 in hail1 in hail1 in hail1 in hail1 in hail1 in hail1 in hail1 in hail1 in hail1 in hail1 in hail1 in hail1 in hail1 in hail1 in hail1 in hail1 in hail1 in hail1 in hail1 in hail1 in hail1 in hail1 in hail1 in hail1 in hail1.25 in hail1.25 in hail1.25 in hail1.25 in hail1.25 in hail1.25 in hail1.25 in hail1.5 in hail1.5 in hail1.5 in hail1.5 in hail1.5 in hail1.75 in hail1.75 in hail1.75 in hail1.75 in hail1.75 in hail1.75 in hail1.75 in hail1.75 in hail1.75 in hail2 in hail2 in hail2 in hail2 in hail2.5 in hail2.75 in hail Bloomington
  • 411 to 1.74 in
  • 141.75 to 2.74 in, golf ball to tennis ball
  • 12.75 in and up, baseball

Largest plotted stone: 2.75 in. Bigger dots are bigger stones.

56 reports of 1 inch or larger have coordinates. Each dot is a reported location, not a storm path.

Sources: NOAA, Census county outline

Wind and tornado records for McLean County

Fastest gusts in McLean County

DateGustNear
July 15, 202496 mphMc Lean
June 17, 201781 mphLexington
June 17, 201781 mphLexington
June 13, 202481 mphColfax

Strongest tornado tracks in McLean County

DateScaleLengthInjured / killedNear
December 1, 2018EF22.44 mi0 / 0Le Roy
December 28, 2025EF10.86 mi0 / 0Saybrook
June 13, 2024EF14.2 mi0 / 0Anchor
June 13, 2024EF11.27 mi0 / 0Ballard

20 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 McLean County’s 2014 to 2025 pace of 1.50 such days a year. Most roofs have been replaced since; the row shows what a roof that never was would have taken.

McLean County: share of homes by decade built, with the hail days at 1 inch or more that an original roof from each decade has met at the county's 2014 to 2025 ratepre-1940: 13.6% of homes13.6%<19401361940s: 3.5% of homes3.5%1940s1221950s: 6.2% of homes6.2%1950s1061960s: 9.0% of homes9%1960s921970s: 17.0% of homes17%1970s761980s: 10.0% of homes10%1980s621990s: 16.8% of homes16.8%1990s462000s: 16.6% of homes16.6%2000s322010s: 6.7% of homes6.7%2010s162020+: 0.4% of homes0.4%2020+4

Bars: share of 75,120 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 built1981
Built before 198049.4%
Built before 200076.3%
Built since 20107.1%
Owner-occupied65.2%
Median home value$198,300
Single-family permits, 2014 to 20252,261
Permits per 1,000 homes30.1

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 McLean County

Roofing firms in McLean County

Roofing contractor establishments, 20236
Change since 2016-5 (-45%)
Homes per roofing firm12,520
Median across counties5,189
Employees, 202325

Source for McLean 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 McLean County's.

CountyMilesOverallHail lossHail, times hereWind lossWind, times hereNOAA hail reports
Champaign County, IL44 Relatively Moderate $410.87$150.46106
Macon County, IL46 Relatively Moderate $430.92$200.6364
Peoria County, IL47 Relatively Moderate $651.39$210.67116
Sangamon County, IL66 Relatively Moderate $501.07$130.42143
Will County, IL83 Relatively High $2.240.05$1.700.05111
Winnebago County, IL126 Relatively Moderate $611.31$250.7783

All 194 counties, with a filter by state and sorting

Cities and ZIP areas in McLean 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. 23 such areas have more than half their land here.

CityZIP areas (share of land in the county)Pages
Bloomington 61701 (100%), 61704 (100%), 61705 (100%) Roofers

Storm hit your roof in McLean County? A free inspection tells you if there is damage. One local roofer answers, not five.

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Questions

How high is storm risk in McLean County?

FEMA's National Risk Index gives McLean County an overall score of 86.90 (Relatively Moderate), 413th of 3,144. Hail scores 88.33 (Relatively Moderate), strong wind 81.81 (Relatively Moderate) and tornado 89.57 (Relatively Moderate).

In McLean 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 83 for McLean County between 2014 and June 2026, on 19 days with hail of 1 inch or more; the largest stone was 2.75 inches.

What do hail and wind cost a home in McLean County each year, on average?

Applying FEMA's county rates to its median home value of $198,300: FEMA's estimate is about $9.29 a year for hail and $6.36 for wind, before any deductible, against $4.43 and $4.04 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 McLean County compare with the rest of Illinois?

Per $1 million of buildings McLean County loses $47 to hail a year, against $46 in the median county of the state. Among 102 rated counties it is 13th for hail, 35th for strong wind and 16th for tornado.

How old are the roofs in McLean County?

The median home was built in 1981, 45 years ago, and 76.3% of the 75,120 housing units in McLean 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 McLean County: FEMA National Risk Index, version December 2025, retrieved October 8, 2026; NOAA Storm Events Database hail reports for McLean County; Census Bureau ZCTA-to-county relationship file (2020); Census ACS and Building Permits Survey, homes in McLean County; Census County Business Patterns, roofing firms in McLean County. Planning-level information about McLean 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).