Gallatin County
Illinois — Natural Disaster Risk Assessment
Very LowComposite Risk Score
National percentile: 34th
Gallatin County faces very low composite natural disaster risk (NRI Risk Index score 33.9, 34th national percentile), driven primarily by earthquake and drought exposure. Expected annual loss across all 18 hazard types is $7M.
Source: FEMA National Risk Index v1.20 · Updated December 2025
Top Hazards
All 18 Hazard Risks
| Earthquake | Low | 0.01 / yr | $2M |
| Drought | Medium | 6.10 / yr | $366K |
| Heat Wave | Low | 9.53 / yr | $624K |
| Strong Wind | Medium | 4.11 / yr | $515K |
| Ice Storm | Low | 0.84 / yr | $50K |
| Winter Weather | Low | 7.74 / yr | $36K |
| Tornado | Low | 0.26 / yr | $475K |
| Riverine Flood | Low | 5.68 / yr | $3M |
| Hurricane | Very Low | 0.02 / yr | $14K |
| Hail | Very Low | 3.05 / yr | $85K |
| Cold Wave | Low | 1.16 / yr | $300K |
| Lightning | Very Low | 52.47 / yr | $32K |
| Landslide | Very Low | 0.23 / yr | $35 |
| Wildfire | Very Low | 0.00 / yr | $312 |
| Avalanche | Very Low | 0.00 / yr | $0 |
| Coastal Flood | Very Low | 0.00 / yr | $0 |
| Tsunami | Very Low | 0.00 / yr | $0 |
| Volcanic Activity | Very Low | 0.00 / yr | $0 |
Frequently Asked Questions
What is the overall natural disaster risk for Gallatin County?
Gallatin County has a composite FEMA National Risk Index score of 33.9 out of 100, placing it in the Very Low category and the 34th national percentile. This combines Expected Annual Loss, Social Vulnerability, and Community Resilience across 18 hazard types.
What are the top natural hazards in Gallatin County?
The three highest-rated hazards are Earthquake (Low, $2M EAL), Drought (Medium, $366K EAL), Heat Wave (Low, $624K EAL). These account for most of the county's expected annual losses.
How does Gallatin County compare to other Illinois counties?
Gallatin County ranks #77 of 102 Illinois counties for overall natural disaster risk, with a very low rating.
What does Expected Annual Loss (EAL) mean?
EAL is FEMA's estimate of average annual dollar losses from natural hazards, calculated from historical event data and exposure models. Gallatin County's $7M EAL is a statistical average, not a guarantee for any specific year or address.