Natural hazards · Algonquin

Algonquin, IL natural hazards

Most of the natural-hazard damage FEMA expects in Algonquin comes from inland flooding, and overall the risk is very low for a U.S. community. Flood insurance has paid 48 claims here since 1978. 6 federal disasters brought FEMA money into town.

FEMA National Risk Index, December 2025 · OpenFEMA claims, aid & declarations

Expected damage

How exposed is Algonquin?

Very low

vs. U.S. communities

FEMA expects yearly storm and flood damage to homes and buildings in Algonquin to be higher than in 18% of U.S. communities, mostly from inland flooding and tornadoes.

Inland flooding50%Tornadoes23%Cold waves20%Everything else8%

By hazard

What Algonquin faces

Each hazard’s share of the damage FEMA expects here, and how that compares with the rest of the country.

Inland flooding

50% of expected damage

Below average · higher than 33% of U.S. places

Recorded about once a year in the area

Tornadoes

23% of expected damage

Well above average · higher than 84% of U.S. places

Cold waves

20% of expected damage

Below average · higher than 31% of U.S. places

Recorded about 6 times a year in the area

Lower here

HurricanesHailIce stormsWinter weatherHeat wavesWildfireEarthquakesLandslidesStrong windLightningDrought

Not a risk here

Coastal floodingAvalanchesTsunamisVolcanic activity

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 Algonquin flood?

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

48paid claims since 1978

$369Kpaid to owners

6homes flooded more than once

19782026

Biggest named events

Midwest Flooding: 4 claims, $53K
Mid-spring storms: 3 claims, $52K
Tropical Storm Erin: 1 claim, $5K

Homes that flooded again and again

■ FEMA “severe repetitive loss” (1) ■ flooded 2+ times

of homes in flood zones
are insured

of all homes
are insured

No community discount. Algonquin isn’t in FEMA’s Community Rating System, which cuts flood insurance up to 45% in towns that do extra flood-proofing.

Insurance rates: McHenry County.

Disasters that hit Algonquin

6 federal disasters brought FEMA money here

Disasters the President declared that paid out in Algonquin itself: aid to households, or repair grants to the Village of Algonquin.

Brought FEMA money into AlgonquinDeclared for McHenry County only

2013

Severe Storms, Straight-Line Winds, and Flooding

43 households applied for aid $47K aid approved $85K to the Village of Algonquin for repairs

2011

Severe Winter Storm and Snowstorm

$77K to the Village of Algonquin for repairs

2008

Record Snow and Near Record Snow

$43K to the Village of Algonquin for repairs

2006

Snow

$27K to the Village of Algonquin for repairs

2000

Illinois Winter Snow Storms

$20K to the Village of Algonquin for repairs

1999

Il-Winter Storm 1/1/99

$21K to the Village of Algonquin for repairs

McHenry County has had 14 natural disasters declared since 1953, most often winter storms and floods.

Around Algonquin

Algonquin and the towns around it

Very lowLowModerateHighVery high

Lake in the Hillsmostly inland floodingModerate

Barrington Hillsmostly inland floodingModerate

Carymostly inland floodingLow

Graftonmostly inland floodingLow

Rutlandmostly inland floodingLow

Algonquinmostly inland floodingVery low

Dundeemostly inland floodingVery low

Carpentersvillemostly cold wavesVery low

About these numbers

How to read this page

An average, not a forecastFEMA’s National Risk Index estimates the damage 18 kinds of natural hazards cause in a typical year, from decades of records and models. A quiet decade can follow a bad year.

Compared by rate“Higher than N%” compares yearly damage as a share of what’s here, so a big city isn’t rated riskier just for having more buildings. Algonquin covers 4 census tracts, combined by population.

Money that reached townFlood claims are matched to Algonquin’s own flood-insurance community; household aid to the registrant’s city; repair grants to the Village of Algonquin. FEMA’s model follows property values, so a place that recently lost many homes can rate lower than it feels.

FEMA’s expected losses across Algonquin total about $8.3M a year, counting buildings, people and crops.

Sources: FEMA National Risk Index (December 2025); 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. Census tracts: U.S. Census Bureau.