Storm risk in Winnebago County, Illinois

FEMA's overall hazard score for Winnebago County, IL is 92.37 (Relatively Moderate), 241st of 3,144 counties. Hail scores 97.07 (Relatively High), strong wind 97.33 (Relatively High) and tornado 97.3 (Relatively High). Expected hail loss is $61 per $1 million of buildings a year; NOAA logged 83 hail reports in Winnebago County, IL from 2014 to June 2026.

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

Winnebago 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: $61 per $1 million, 813th of 3,126 rated counties$61Hail813th of 3,126 countiesStrong wind: $25 per $1 million, 1,367th of 3,121 rated counties$25Strong wind1,367th of 3,121 countiesTornado: $280 per $1 million, 1,131st of 3,144 rated counties$280Tornado1,131st of 3,144 counties
  • Winnebago County, IL, coloured by its FEMA rating
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  • U.S. median
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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 Winnebago County, IL

HazardRatingScore (0 to 100)Rank in U.S.Rank in IL
OverallRelatively Moderate 92.37241 of 3,1448 of 102
HailRelatively High 97.0793 of 3,1265 of 102
Strong windRelatively High 97.3385 of 3,1266 of 102
TornadoRelatively High 97.3086 of 3,1267 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$4,197,920$61 $46$22 813 of 3,12638 of 102
Strong wind$1,682,934$25 $55$20 1,367 of 3,12185 of 102
Tornado$19,151,188$280 $255$199 1,131 of 3,14436 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 Winnebago County, IL

  • FEMA expects hail in Winnebago County, IL to cost $61 per $1 million of buildings a year: 2.75 times the U.S. median and 1.33 times the IL county median, ranked 813th of 3,126 counties nationally and 38th of 102 in Illinois.
  • FEMA expects strong wind in Winnebago County, IL to cost $25 per $1 million of buildings a year: 1.21 times the U.S. median and 0.45 times the IL county median, ranked 1,367th of 3,121 counties nationally and 85th of 102 in Illinois.
  • FEMA expects tornado in Winnebago County, IL to cost $280 per $1 million of buildings a year: 1.41 times the U.S. median and 1.10 times the IL county median, ranked 1,131st of 3,144 counties nationally and 36th of 102 in Illinois.
  • Applying FEMA's estimate to a $155,100 home, the average yearly loss in Winnebago County, IL is about $9.53 for hail and $3.82 for wind before any deductible; at the U.S. median county rates it would be $3.47 and $3.16.
  • If the next years look like 2014 to 2025, a roof kept 20 years in Winnebago County, IL meets about 45.0 hail days of 1 inch or more; the median county in NOAA's file (1,275 counties) would give 35.0.
  • Built in 1971, the median home in Winnebago County, IL is 55 years old, so an original roof has outlived a 3-tab shingle (15 to 20 years) and an architectural one (25 to 30 years); 86.8% of its 124,959 homes are at least 26 years old.
  • March to June holds 64 of the 83 hail reports in Winnebago County, IL (77 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 Winnebago County, IL’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.

$9.53hail, a year; $3.47 at the U.S. median county rate
$3.82strong wind, a year; $3.16 at the U.S. median county rate
$267hail and wind together over 20 years, at today’s rate

Formula: home value × Winnebago County, IL yearly loss ÷ building value. Hail: $4,197,920 ÷ $68,329,725,795 = 0.0000614. Wind: $1,682,934 ÷ $68,329,725,795 = 0.0000246. 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.

Winnebago County, IL in plain numbers

  • Winnebago County, IL scores 92.37 in FEMA's overall hazard index (Relatively Moderate): 241st of 3,144 rated counties and 8th of 102 in Illinois.
  • Hail scores 97.07 (Relatively High). FEMA expects $4,197,920 of hail damage to buildings in Winnebago County, IL a year, which is $61 per $1 million of buildings, 2.75 times the U.S. median.
  • Strong wind scores 97.33 (Relatively High) with $1,682,934 of expected yearly building loss in Winnebago County, IL: $25 per $1 million of buildings, 1.21 times the U.S. median.
  • Tornado scores 97.3 (Relatively High) and FEMA's expected yearly tornado loss is $19,151,188, counting everything exposed, or $280 per $1 million of buildings in Winnebago County, IL.
  • FEMA's own event record for Winnebago County, IL averages 4.51 hail events and 6.05 strong-wind events a year.
  • NOAA logged 83 hail reports in Winnebago County, IL between 2014 and June 2026, on 31 days with stones of 1 inch or more; the largest was 3 inches.
  • In Winnebago County, IL, FEMA counts buildings worth 68.33 billion dollars and 285,162 residents.
  • Social vulnerability is Relatively Low in Winnebago County, IL.
  • Community resilience there is Relatively High, for 285,162 residents.
  • 1 city in Winnebago County, IL is covered on this site: Rockford. 20 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 Rockford is $6,790 to $15,035.
  • Winnebago County, IL ranks 52 of the 194 counties with a page here for hail loss per $1 million of buildings, 44 for wind and 72 for tornado.
  • In Winnebago County, IL, April is the busiest month with 38 of the 83 reports (46 percent), against 0 reports in October.
  • Winnebago County, IL's worst year was 2020, with 4 hail days at 1 inch or more and 20 reports. At the 2014 to 2025 pace that is 2.25 such days a year, one about every 5.3 months.
  • The median home in Winnebago County, IL was built in 1971; 63.8% of its 124,959 housing units date from before 1980, 86.8% from before 2000 and 2.3% from 2010 on.
  • Census puts the median home value in Winnebago County, IL at $155,100, and 65.2% of homes are lived in by their owners.
  • 2,035 single-family building permits were issued in Winnebago County, IL from 2014 to 2025, about 16.3 per 1,000 homes, peaking in 2025.
  • NOAA lists 12 tornado tracks in Winnebago County, IL since 2014; the strongest was an EF1 on April 17, 2026 near Harrison, 10.88 miles long.
  • The fastest gust in NOAA's records for Winnebago County, IL is 96 mph on May 17, 2017 at Rockton Wgn Wheel Ar.
  • The nearest county with a page here is Will County, 89 miles from the centre of Winnebago County, IL; its hail score is 60.56.
  • Across counties the median is one roofing firm for every 5,189 homes; Census counted 43 roofing contractor establishments in Winnebago County, IL in 2023, one for every 2,906 homes.

The hail record of Winnebago County, IL, year by year

NOAA logged 83 reports in Winnebago County, IL; hail of 1 inch or more fell on 31 days. That is 2.2 such days a year; the median county in NOAA’s file has 1.8.

Winnebago County: NOAA hail reports per year, 2014 to June 2026, with the number of days that had hail of 1 inch or more051015202014: 11 reports, 4 days at 1 inch or more, largest 2 inch142015: 2 reports, 2 days at 1 inch or more, largest 1.75 inch152016: 3 reports, 3 days at 1 inch or more, largest 1.25 inch162017: 9 reports, 3 days at 1 inch or more, largest 2 inch172018: 3 reports, 1 days at 1 inch or more, largest 3 inch182019: 1 reports, 0 days at 1 inch or more, largest 0.88 inch192020: 20 reports, 4 days at 1 inch or more, largest 3 inch202021: 0 reports, 0 days at 1 inch or more, largest 0 inch212022: 3 reports, 2 days at 1 inch or more, largest 1.5 inch222023: 11 reports, 4 days at 1 inch or more, largest 2 inch232024: 2 reports, 2 days at 1 inch or more, largest 1.5 inch242025: 8 reports, 2 days at 1 inch or more, largest 1.5 inch252026: 10 reports, 4 days at 1 inch or more, largest 2.25 inch26*
  • reports
  • days with hail of 1 inch or more
  • * 2026 runs to June only
Winnebago County: NOAA hail reports by calendar month, 2014 to June 2026January: 0 reports0JanFebruary: 2 reports2FebMarch: 2 reports2MarApril: 38 reports38AprMay: 18 reports18MayJune: 6 reports6JunJuly: 10 reports10JulAugust: 4 reports4AugSeptember: 0 reports0SepOctober: 0 reports0OctNovember: 3 reports3NovDecember: 0 reports0Dec

Reports by calendar month, all years together. Peak: April, 38 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
201411422 in–
20152211.75 in–
20163301.25 in–
20179332 in–
20183113 in–
20191000.88 in–
202020413 in–
20223201.5 in–
202311412 in–
20242201.5 in–
20258201.5 in–
2026 (to June)10412.25 in–

Biggest hail days in Winnebago County, IL

DateLargest stoneReports that dayDamage reportedNear
April 7, 20203 in14none recordedWinnebago
May 2, 20183 in3none recordedRockford
April 17, 20262.25 in6none recordedDurand
May 15, 20172 in4none recordedSamuelson Corners
June 29, 20232 in4none recordedLoves Park

Where large hail was reported

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

Reported hail locations, Winnebago County, IL

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 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 hail1.5 in hail1.5 in hail1.5 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 hail1.75 in hail1.75 in hail2 in hail2 in hail2 in hail2 in hail2 in hail2 in hail2 in hail2.25 in hail2.25 in hail3 in hail3 in hail Rockford
  • 551 to 1.74 in
  • 201.75 to 2.74 in, golf ball to tennis ball
  • 22.75 in and up, baseball

Largest plotted stone: 3 in. Bigger dots are bigger stones.

77 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 Winnebago County, IL

Fastest gusts in Winnebago County, IL

DateGustNear
May 17, 201796 mphRockton Wgn Wheel Ar
August 10, 202085 mphRckfrd Cottonwood Ar
March 5, 202281 mph(Rfd) Rockford Airport
April 30, 202281 mphRockford

Strongest tornado tracks in Winnebago County, IL

DateScaleLengthInjured / killedNear
April 17, 2026EF110.88 mi0 / 0Harrison
April 17, 2026EF13.95 mi0 / 0Harrison
March 31, 2023EF18.63 mi0 / 0Loves Park
March 31, 2023EF15.79 mi0 / 0Rockford

12 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 Winnebago County, IL’s 2014 to 2025 pace of 2.25 such days a year. Most roofs have been replaced since; the row shows what a roof that never was would have taken.

Winnebago 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: 15.4% of homes15.4%<19402051940s: 6.4% of homes6.4%1940s1821950s: 14.2% of homes14.2%1950s1601960s: 12.8% of homes12.8%1960s1371970s: 14.9% of homes14.9%1970s1151980s: 10.7% of homes10.7%1980s921990s: 12.3% of homes12.3%1990s702000s: 10.9% of homes10.9%2000s472010s: 2.0% of homes2%2010s252020+: 0.2% of homes0.2%2020+7

Bars: share of 124,959 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 built1971
Built before 198063.8%
Built before 200086.8%
Built since 20102.3%
Owner-occupied65.2%
Median home value$155,100
Single-family permits, 2014 to 20252,035
Permits per 1,000 homes16.3

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 Winnebago County, IL

Roofing firms in Winnebago County, IL

Roofing contractor establishments, 202343
Change since 2016+15 (+54%)
Homes per roofing firm2,906
Median across counties5,189
Employees, 2023152

Source for Winnebago County, IL: 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 Winnebago County, IL's.

CountyMilesOverallHail lossHail, times hereWind lossWind, times hereNOAA hail reports
Will County, IL89 Relatively High $2.240.04$1.700.07111
Peoria County, IL113 Relatively Moderate $651.06$210.87116
McLean County, IL126 Relatively Moderate $470.76$321.3083
Champaign County, IL159 Relatively Moderate $410.66$150.59106
Macon County, IL171 Relatively Moderate $430.70$200.8264
Sangamon County, IL179 Relatively Moderate $500.82$130.54143

All 194 counties, with a filter by state and sorting

Cities and ZIP areas in Winnebago County, IL

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. 20 such areas have more than half their land here.

CityZIP areas (share of land in the county)Pages
Rockford 61103 (100%), 61104 (100%), 61107 (94%), 61109 (97%), 61112 (100%) Roofers

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Questions

How high is storm risk in Winnebago County, IL?

FEMA's National Risk Index gives Winnebago County, IL an overall score of 92.37 (Relatively Moderate), 241st of 3,144. Hail scores 97.07 (Relatively High), strong wind 97.33 (Relatively High) and tornado 97.3 (Relatively High).

In Winnebago County, IL, 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 Winnebago County, IL between 2014 and June 2026, on 31 days with hail of 1 inch or more; the largest stone was 3 inches.

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

Applying FEMA's county rates to its median home value of $155,100: FEMA's estimate is about $9.53 a year for hail and $3.82 for wind, before any deductible, against $3.47 and $3.16 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 Winnebago County, IL compare with the rest of Illinois?

Per $1 million of buildings Winnebago County, IL loses $61 to hail a year, against $46 in the median county of the state. Among 102 rated counties it is 5th for hail, 6th for strong wind and 7th for tornado.

How old are the roofs in Winnebago County, IL?

The median home was built in 1971, 55 years ago, and 86.8% of the 124,959 housing units in Winnebago County, IL 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 Winnebago County, IL: FEMA National Risk Index, version December 2025, retrieved October 8, 2026; NOAA Storm Events Database hail reports for Winnebago County, IL; Census Bureau ZCTA-to-county relationship file (2020); Census ACS and Building Permits Survey, homes in Winnebago County, IL; Census County Business Patterns, roofing firms in Winnebago County, IL. Planning-level information about Winnebago County, IL, 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).