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Downtown Shabonna, IL at sunsetPhoto: TheCatalyst31 · CC BY-SA 4.0
–Not graded
Natural hazards in Shabbona · FEMA

Storms, floods and disasters in Shabbona

Shabbona isn’t graded for hazard risk: Shabbona has 572 residents; we grade towns of 1,000 or more. Flood insurance has paid 2 claims here since 1996.

Flood claims
2
paid since 1996 · $7K
Disasters paid out here
3
of 9 declared for DeKalb County
By hazard

What Shabbona 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

77%of expected building damage
Below average · lower than 73% of U.S. census tracts
Recorded about once a year in the area

Tornadoes

16%of expected building damage
Above average · higher than 78% of U.S. census tracts
Recorded about once every 8 years in the area
Smaller shares here
 Earthquakes Strong wind Hail Ice storms Lightning Hurricanes Wildfire Winter storms Cold waves Heat waves Landslides
FEMA models no building damage here
Coastal floodingAvalanchesTsunamisVolcanic activity
People, not buildings.Counting harm to people as well as buildings, FEMA’s model puts cold waves at 24% of Shabbona’s expected losses. Cold waves do little damage to buildings (0.0%), so they aren’t part of the grade.

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.

Flood risk changes street by street. Check a specific address on FEMA’s flood map, and ask about flood insurance before you buy.
Flood insurance claims

Does Shabbona flood? Rarely: 2 flood claims since 1996

Every paid claim on a federal flood insurance policy in Shabbona, from FEMA’s records.

Paid flood claims, by year
1996: 1 claim1997: 1 claim1998: 0 claims1999: 0 claims2000: 0 claims2001: 0 claims2002: 0 claims2003: 0 claims2004: 0 claims2005: 0 claims2006: 0 claims2007: 0 claims2008: 0 claims2009: 0 claims2010: 0 claims2011: 0 claims2012: 0 claims2013: 0 claims2014: 0 claims2015: 0 claims2016: 0 claims2017: 0 claims2018: 0 claims2019: 0 claims2020: 0 claims2021: 0 claims2022: 0 claims2023: 0 claims2024: 0 claims2025: 0 claims2026: 0 claims19961997
19962026
2
paid claims since 1996
$7K
paid to owners
0
homes flooded more than once
$4K
average claim
of homes in flood zones are insured
of all homes are insured
No community discount

Shabbona isn’t in FEMA’s Community Rating System, which cuts flood insurance up to 45% in towns that do extra flood-proofing.

Insurance rates: DeKalb County.
Disasters

3 federal disasters brought FEMA money to Shabbona

Disasters that paid out in Shabbona itself (aid to households or repair grants to the Village of Shabbona), newest first, with that year’s flood claims.

  1. 2013Severe Storms, Straight-line Winds, and Flooding1 households applied for aid$7K aid approved
  2. 2008Severe Storms and Flooding11 households applied for aid$25K aid approved
  3. 2007Severe Storms and Flooding2 households applied for aid$5K aid approved
Disasters declared, by decade
Paid out in ShabbonaDeKalb County only

DeKalb County has had 9 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.

Were you here?

Old photos of Shabbona after a storm or flood belong in the town’s history. Add one, or share what you remember below.

Add to the Shabbona archive →
Be ready

Get ready for what Shabbona faces

A short kit for the hazards that drive the building damage here, what to check before you buy, and where neighbors get alerts.

When the river rises
  • 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.
More from Ready.gov ↗
Tornado warnings
  • 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.
More from Ready.gov ↗
Before you buy or rent
  • 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.
When a storm is coming
Forecast and alertsWeather →911, the nearest ERSafety →

Know where neighbors sign up for alerts? Add it to the Handbook so everyone has it.

Questions about natural hazards in Shabbona

Does Shabbona flood?

Flood insurance has paid 2 claims in Shabbona since 1996, $7K in all.

Is Shabbona 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 DeKalb County, 21% of homes in mapped flood zones carry federal flood insurance, and 0.5% of all homes do.

How much is flood insurance in Shabbona?

FEMA’s Community Rating System list shows no discount for Shabbona’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 Shabbona?

By FEMA money that reached Shabbona, Severe Storms and Flooding (2008): 11 households applied for aid, $25K approved.

Storm stories

Memories, warnings and help from neighbors in Shabbona.

Town Square →
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Sources: FEMA National Risk Index v1.20 (December 2025), census-tract table, combined by where Shabbona’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.