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Natural hazards · Elk Grove

Elk Grove, IL natural hazards

Most of the natural-hazard damage FEMA expects in Elk Grove comes from inland flooding, and overall the risk is moderate for a U.S. community. Flood insurance has paid 141 claims here since 1978. 2 federal disasters brought FEMA money into town.

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

How exposed is Elk Grove?

43
Moderate
vs. U.S. communities

FEMA expects yearly storm and flood damage to homes and buildings in Elk Grove to be higher than in 43% of U.S. communities, mostly from inland flooding and cold waves.

Inland flooding45%Cold waves28%Tornadoes15%Heat waves8%Everything else5%
By hazard

What Elk Grove faces

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

Inland flooding

45% of expected damage
Above average · higher than 66% of U.S. places
Recorded about 6 times a year in the area

Cold waves

28% of expected damage
Well below average · higher than 22% of U.S. places
Recorded about 4 times a year in the area

Tornadoes

15% of expected damage
Well above average · higher than 76% of U.S. places

Heat waves

8% of expected damage
Well above average · higher than 77% of U.S. places
Recorded about 3 times a year in the area

Lower here

HurricanesHailIce stormsWinter weatherWildfireEarthquakesLandslidesStrong 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 Elk Grove flood?

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

141paid claims since 1978
$3.3Mpaid to owners
0homes flooded more than once
19782026

Biggest named events

  • Hurricane Ike: 14 claims, $723K
  • Mid-spring storms: 5 claims, $77K
of homes in flood zones
are insured
of all homes
are insured
No community discount. Elk Grove isn’t in FEMA’s Community Rating System, which cuts flood insurance up to 45% in towns that do extra flood-proofing.
Insurance rates: Cook County.
Disasters that hit Elk Grove

2 federal disasters brought FEMA money here

Disasters the President declared that paid out in Elk Grove itself: aid to households, or repair grants to the Township of Elk Grove.

Brought FEMA money into Elk GroveDeclared for Cook County only
2010

Severe Storms and Flooding

1 household applied for aid
2007

Severe Storms and Flooding

$7K to the Township of Elk Grove for repairs
Cook County has had 21 natural disasters declared since 1953, most often floods and severe storms.
Around Elk Grove

Elk Grove and the towns around it

Chicago: Moderate, mostly inland floodingSchaumburg: Low, mostly inland floodingElk Grove Village: Very low, mostly inland floodingDes Plaines: Moderate, mostly inland floodingMaine: Moderate, mostly inland floodingAddison: Low, mostly inland floodingItasca: Very low, mostly inland floodingLeyden: Moderate, mostly inland floodingRosemont: Low, mostly inland floodingWorth: Very high, mostly inland floodingSchiller Park: Moderate, mostly inland floodingNiles: Moderate, mostly inland floodingStickney: High, mostly inland floodingCalumet: Very high, mostly inland floodingPark Ridge: Moderate, mostly inland floodingNiles: Low, mostly inland floodingBloomingdale: Very low, mostly inland floodingHanover: Low, mostly cold wavesPalatine: Low, mostly inland floodingHanover Park: Low, mostly cold wavesBensenville: Moderate, mostly inland floodingSchaumburg: Low, mostly inland floodingWood Dale: Very low, mostly inland floodingRoselle: Very low, mostly inland floodingMount Prospect: Moderate, mostly inland floodingGlenview: High, mostly inland floodingNorthfield: Moderate, mostly inland floodingWheeling: Moderate, mostly inland floodingYork: Low, mostly inland floodingVilla Park: Low, mostly inland floodingElk Grove: Moderate, mostly inland flooding Elk GroveChicagoSchaumburgElk Grove VillageDes PlainesMaineAddisonItasca
Very lowLowModerateHighVery high
Des Plainesmostly inland floodingModerate
Mainemostly inland floodingModerate
Chicagomostly inland floodingModerate
Elk Grovemostly inland floodingModerate
Addisonmostly inland floodingLow
Schaumburgmostly inland floodingLow
Elk Grove Villagemostly inland floodingVery low
Itascamostly 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. Elk Grove covers 17 census tracts, combined by population.
Money that reached townFlood claims are matched to Elk Grove’s own flood-insurance community (here, the census tracts inside it); household aid to the registrant’s city; repair grants to the Township of Elk Grove. 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 Elk Grove total about $45.4M 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/15 · 2025-01-01
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