Natural hazards · Bull Valley

Bull Valley, IL natural hazards

Most of the natural-hazard damage FEMA expects in Bull Valley comes from inland flooding, and overall the risk is low for a U.S. community. 3 federal disasters brought FEMA money into town.

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

Expected damage

How exposed is Bull Valley?

Low

vs. U.S. communities

FEMA expects yearly storm and flood damage to homes and buildings in Bull Valley to be higher than in 31% of U.S. communities, mostly from inland flooding and tornadoes.

Inland flooding56%Tornadoes19%Cold waves18%Everything else6%

By hazard

What Bull Valley faces

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

Inland flooding

56% of expected damage

Above average · higher than 53% of U.S. places

Recorded about once a year in the area

Tornadoes

19% of expected damage

Well above average · higher than 83% of U.S. places

Cold waves

18% 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 Bull Valley flood?

FEMA's records show no paid flood insurance claims in Bull Valley.

of homes in flood zones
are insured

of all homes
are insured

No community discount. Bull Valley 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 Bull Valley

3 federal disasters brought FEMA money here

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

Brought FEMA money into Bull ValleyDeclared for McHenry County only

2011

Severe Winter Storm and Snowstorm

$10K to the Village of Bull Valley for repairs

2008

Record Snow and Near Record Snow

$9K to the Village of Bull Valley for repairs

2000

Illinois Winter Snow Storms

$2K to the Village of Bull Valley for repairs

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

Around Bull Valley

Bull Valley and the towns around it

Very lowLowModerateHighVery high

McHenrymostly inland floodingHigh

Bull Valleymostly inland floodingLow

Wonder Lakemostly inland floodingLow

Greenwoodmostly inland floodingLow

Woodstockmostly inland floodingVery 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. Bull Valley covers 1 census tract, combined by population.

Money that reached townFlood claims are matched to Bull Valley’s own flood-insurance community; household aid to the registrant’s city; repair grants to the Village of Bull Valley. 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 Bull Valley total about $1.7M 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.