Natural hazards · DeKalb

DeKalb, IL natural hazards

Most of the natural-hazard damage FEMA expects in DeKalb comes from inland flooding, and overall the risk is moderate for a U.S. community. Flood insurance has paid 87 claims here since 1978. 5 federal disasters brought FEMA money into town.

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

How exposed is DeKalb?

40
Moderate
vs. U.S. communities

FEMA expects yearly storm and flood damage to homes and buildings in DeKalb to be higher than in 40% of U.S. communities, mostly from inland flooding and cold waves.

Inland flooding51%Cold waves26%Tornadoes14%Everything else9%
By hazard

What DeKalb faces

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

Inland flooding

51% of expected damage
Above average · higher than 63% of U.S. places
Recorded about once a year in the area

Cold waves

26% of expected damage
Well below average · higher than 22% of U.S. places
Recorded about 6 times a year in the area

Tornadoes

14% of expected damage
Above average · higher than 74% of U.S. places

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 DeKalb flood?

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

87paid claims since 1978
$1.3Mpaid to owners
0homes flooded more than once
19782026

Biggest named events

  • Mid-spring storms: 2 claims, $24K
of homes in flood zones
are insured
of all homes
are insured
No community discount. DeKalb 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.

What’s been done with FEMA grants

32flood-prone properties bought out and cleared
Disasters that hit DeKalb

5 federal disasters brought FEMA money here

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

Brought FEMA money into DeKalbDeclared for DeKalb County only
2013

Severe Storms, Straight-Line Winds, and Flooding

56 households applied for aid $38K aid approved
2011

Severe Winter Storm and Snowstorm

$78K to the City of DeKalb for repairs
2008

Severe Storms and Flooding

19 households applied for aid $33K aid approved
2007

Severe Storms and Flooding

180 households applied for aid $336K aid approved $174K to the City of DeKalb for repairs
2006

Snow

$75K to the City of DeKalb for repairs
DeKalb County has had 10 natural disasters declared since 1953, most often floods and winter storms.
Around DeKalb

DeKalb and the towns around it

Sycamore: Very low, mostly inland floodingCortland: Low, mostly inland floodingSycamore: Low, mostly inland floodingMayfield: Moderate, mostly inland floodingDeKalb: Moderate, mostly inland flooding DeKalbSycamoreCortland
Very lowLowModerateHighVery high
DeKalbmostly inland floodingModerate
Cortlandmostly inland floodingLow
Sycamoremostly 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. DeKalb covers 5 census tracts, combined by population.
Money that reached townFlood claims are matched to DeKalb’s own flood-insurance community (here, the census tracts inside it); household aid to the registrant’s city; repair grants to the City of DeKalb. 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 DeKalb total about $10.8M 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.

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Boundary source: https://tigerweb.geo.census.gov/arcgis/rest/services/TIGERweb/Places_CouSub_ConCity_SubMCD/MapServer/18 · 2025-01-01