More hazard damage per building is expected in Prophetstown than in 70% of U.S. towns, mostly from river and rain flooding
On FEMA’s National Risk Index, Prophetstown gets a C for hazard risk: higher expected damage per building than 70% of U.S. towns. Most of that expected damage is river and rain flooding (82%). Flood insurance has paid 6 claims here since 1979.
Graded on FEMA’s expected yearly building damage per dollar of building value (NRI v1.20, December 2025), weighted by where residents live; flood claims are shown, not graded. How hazard risk is graded
What Prophetstown faces
Each hazard’s share of the building damage FEMA expects here, and how its rate compares with the rest of the country.
River and rain flooding
Tornadoes
Shares are of FEMA’s expected building damage, the measure the grade uses; ranks compare each hazard’s building-damage rate with all 85,154 U.S. census tracts. In FEMA’s terms, river and rain flooding is FEMA’s “Inland Flooding” (rivers and streams overflowing their banks, or rain overwhelming drainage). FEMA defines coastal flooding as high or rising tides and storm surge, so surge damage is counted there. Drought isn’t listed: FEMA counts its losses in crops only.
What’s behind Prophetstown’s grade
River and rain flooding is 82% of the building damage FEMA expects in Prophetstown, and Prophetstown’s rate of river and rain flooding damage is higher than 80% of U.S. census tracts. Next is tornadoes at 8% (higher than 78% of U.S. census tracts).
C higher expected damage per building than 70% of U.S. towns (21,298).
All of Prophetstown’s residents live in one census tract; the figures are that tract’s.
In dollars, FEMA expects about $1.1M a year in losses across Prophetstown: $726K to buildings, the rest to people and crops.
Does Prophetstown flood? Rarely: 6 flood claims since 1979
Every paid claim on a federal flood insurance policy in Prophetstown, from FEMA’s records: 7.3 per 1,000 homes, more than 68% of the 13,809 U.S. towns with a flood insurance record.
Prophetstown isn’t in FEMA’s Community Rating System, which cuts flood insurance up to 45% in towns that do extra flood-proofing.
Insurance rates: Whiteside County.1 federal disaster brought FEMA money to Prophetstown
Disasters that paid out in Prophetstown itself (aid to households or repair grants to the City of Prophetstown), newest first, with that year’s flood claims.
- 2008Severe Storms and Flooding1 households applied for aid$895 aid approved
Whiteside County has had 11 natural disasters declared by the President since 1953, most often floods, then winter storms. Not counted: the 2005 Hurricane Katrina evacuee emergency, which covered counties that took in evacuees.
Old photos of Prophetstown after a storm or flood belong in the town’s history. Add one, or share what you remember below.
Add to the Prophetstown archive →Get ready for what Prophetstown faces
A short kit for the hazards that drive the building damage here, what to check before you buy, and where neighbors get alerts.
- Turn around at flooded roads: a foot of moving water can carry off a car.
- Flood insurance usually takes 30 days to start, so buy it before the forecast.
- Keep papers and medicines up high, in a grab-and-go bag.
- Pick your spot now: the lowest floor, an inside room, no windows.
- A watch means be ready; a warning means take cover now.
- Keep shoes and a flashlight by the bed.
- Look up the address on FEMA’s flood map.
- Ask the seller or landlord whether it has ever flooded, and what flood insurance costs there.
- Get a flood insurance quote early: policies usually start 30 days after you buy.
Know where neighbors sign up for alerts? Add it to the Handbook so everyone has it.
Questions about natural hazards in Prophetstown
Is Prophetstown at risk for natural disasters?
On FEMA’s National Risk Index, Prophetstown has higher expected damage per building than 70% of U.S. towns: C for hazard risk. Most of the expected damage is river and rain flooding (82%) and tornadoes (8%). The figures are for the one census tract the town shares with its neighbors. This is FEMA’s model of an average year for today’s buildings, not a forecast.
Does Prophetstown flood?
Flood insurance has paid 6 claims in Prophetstown since 1979, $31K in all, or 7.3 per 1,000 homes, more than 68% of U.S. towns with a flood insurance record.
Is Prophetstown in a flood zone?
Flood zones are drawn street by street, so the answer depends on the address: look it up on FEMA’s flood map. In Whiteside County, 24% of homes in mapped flood zones carry federal flood insurance, and 0.7% of all homes do.
How much is flood insurance in Prophetstown?
FEMA’s Community Rating System list shows no discount for Prophetstown’s flood program. Premiums depend on the building; policies usually start 30 days after you buy, so get a quote early.
What was the biggest storm in Prophetstown?
By FEMA money that reached Prophetstown, Severe Storms and Flooding (2008): 1 households applied for aid, $895 approved.
Is Prophetstown at risk from river and rain flooding?
It is the largest share of the building damage FEMA expects here (82%), and Prophetstown’s rate for it is higher than 80% of U.S. census tracts.
Storm stories
Memories, warnings and help from neighbors in Prophetstown.
Sources: FEMA National Risk Index v1.20 (December 2025), census-tract table, combined by where Prophetstown’s residents lived in the 2020 census; OpenFEMA: NFIP redacted claims, multiple-loss properties, community status book and residential penetration rates, housing assistance (owners and renters), public assistance funded projects, hazard mitigation properties and disaster declarations. Homes: Census ACS 2020–24. Preparedness tips: Ready.gov. FEMA’s model is an average of expected damage, not a forecast. How hazard risk is graded.