Natural hazards · Elm Grove

Elm Grove, IL natural hazards

Most of the natural-hazard damage FEMA expects in Elm Grove comes from inland flooding, and overall the risk is low for a U.S. community. Flood insurance has paid 7 claims here since 1982. 1 federal disaster brought FEMA money into town.

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

Expected damage

How exposed is Elm Grove?

Low

vs. U.S. communities

FEMA expects yearly storm and flood damage to homes and buildings in Elm Grove to be higher than in 31% of U.S. communities, mostly from inland flooding and cold waves.

Inland flooding42%Cold waves20%Tornadoes16%Drought5%Everything else16%

By hazard

What Elm Grove faces

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

Inland flooding

42% of expected damage

Below average · higher than 36% of U.S. places

Recorded about once a year in the area

Cold waves

20% of expected damage

Above average · higher than 61% of U.S. places

Recorded about 5 times a year in the area

Tornadoes

16% of expected damage

Well above average · higher than 94% of U.S. places

Recorded about once every 14 years in the area

Drought

5% of expected damage

Recorded about 4 times a year in the area

Lower here

HurricanesHailIce stormsWinter weatherHeat wavesWildfireEarthquakesLandslidesStrong windLightning

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 Elm Grove flood?

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

7paid claims since 1982

$38Kpaid to owners

0homes flooded more than once

19822026

Biggest named events

Midwest Flooding: 1 claim, $9K
Hurricane Ike: 1 claim, $7K
Early winter storms: 1 claim, $5K

of homes in flood zones
are insured

of all homes
are insured

No community discount. Elm 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: Tazewell County.

Disasters that hit Elm Grove

1 federal disaster brought FEMA money here

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

Brought FEMA money into Elm GroveDeclared for Tazewell County only

1999

Il-Winter Storm 1/1/99

$9K to the Township of Elm Grove for repairs

Tazewell County has had 13 natural disasters declared since 1953, most often floods and winter storms.

Around Elm Grove

Elm Grove and the towns around it

Very lowLowModerateHighVery high

Pekinmostly inland floodingModerate

Dillonmostly inland floodingModerate

Grovelandmostly inland floodingLow

Cincinnatimostly inland floodingLow

Elm Grovemostly inland floodingLow

Tremontmostly inland floodingLow

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. Elm Grove covers 1 census tract, combined by population.

Money that reached townFlood claims are matched to Elm 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 Elm 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 Elm Grove total about $2.7M 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.