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Natural hazards · Frankfort

Frankfort, IL natural hazards

Most of the natural-hazard damage FEMA expects in Frankfort comes from inland flooding, and overall the risk is moderate for a U.S. community. Flood insurance has paid 13 claims here since 1981. 8 federal disasters brought FEMA money into town.

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

How exposed is Frankfort?

54
Moderate
vs. U.S. communities

FEMA expects yearly storm and flood damage to homes and buildings in Frankfort to be higher than in 54% of U.S. communities, mostly from inland flooding and cold waves.

Inland flooding62%Cold waves17%Tornadoes16%Everything else5%
By hazard

What Frankfort faces

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

Inland flooding

62% of expected damage
Well above average · higher than 76% of U.S. places
Recorded about 3 times a year in the area

Cold waves

17% of expected damage
Well below average · higher than 18% of U.S. places
Recorded about 5 times a year in the area

Tornadoes

16% of expected damage
Well above average · higher than 82% 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 Frankfort flood?

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

13paid claims since 1981
$499Kpaid to owners
3homes flooded more than once
19812026

Biggest named events

  • Hurricane Ike: 2 claims, $384K
  • Mid-spring storms: 1 claim, $49K

Homes that flooded again and again

■ FEMA “severe repetitive loss” (0) ■ flooded 2+ times

of homes in flood zones
are insured
of all homes
are insured
No community discount. Frankfort isn’t in FEMA’s Community Rating System, which cuts flood insurance up to 45% in towns that do extra flood-proofing.
Insurance rates: Will County.
Disasters that hit Frankfort

8 federal disasters brought FEMA money here

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

Brought FEMA money into FrankfortDeclared for Will County only
2024

Severe Storms, Tornadoes, Straight-Line Winds, and Floodng

95 households applied for aid $193K aid approved
2013

Severe Storms, Straight-Line Winds, and Tornadoes

16 households applied for aid
2013

Severe Storms, Straight-Line Winds, and Flooding

59 households applied for aid $94K aid approved
2011

Severe Winter Storm and Snowstorm

$53K to the Village of Frankfort for repairs
2008

Severe Storms and Flooding

37 households applied for aid $57K aid approved
2007

Severe Storms and Flooding

6 households applied for aid $32K aid approved
2000

Illinois Winter Snow Storms

$10K to the Village of Frankfort for repairs
1999

Il-Winter Storm 1/1/99

$12K to the Village of Frankfort for repairs
Will County has had 17 natural disasters declared since 1953, most often severe storms and floods.
Around Frankfort

Frankfort and the towns around it

Frankfort Square: Moderate, mostly inland floodingTinley Park: Moderate, mostly inland floodingRichton Park: Moderate, mostly inland floodingMokena: Low, mostly inland floodingFrankfort: Moderate, mostly inland floodingGreen Garden: High, mostly inland floodingNew Lenox: Low, mostly inland floodingManhattan: Moderate, mostly inland floodingMatteson: Moderate, mostly inland floodingRich: Moderate, mostly inland floodingOrland Park: Low, mostly inland floodingBremen: High, mostly inland floodingPark Forest: Moderate, mostly inland floodingUniversity Park: Moderate, mostly inland floodingMonee: Moderate, mostly inland floodingArbury Hills: Moderate, mostly inland floodingNew Lenox: Low, mostly inland floodingOrland: Moderate, mostly inland floodingPeotone: High, mostly inland floodingJoliet: High, mostly inland floodingHomer: Low, mostly inland floodingWilton: High, mostly inland floodingJackson: Low, mostly inland floodingOlympia Fields: Moderate, mostly inland floodingBloom: High, mostly inland floodingFlossmoor: Moderate, mostly inland floodingHomewood: High, mostly inland floodingFrankfort: Moderate, mostly inland flooding FrankfortFrankfort SquareTinley ParkRichton ParkMokenaFrankfortGreen GardenNew LenoxManhattanMattesonRich
Very lowLowModerateHighVery high
Green Gardenmostly inland floodingHigh
Mattesonmostly inland floodingModerate
Frankfortmostly inland floodingModerate
Richton Parkmostly inland floodingModerate
Richmostly inland floodingModerate
Tinley Parkmostly inland floodingModerate
Manhattanmostly inland floodingModerate
Frankfortmostly inland floodingModerate
Frankfort Squaremostly inland floodingModerate
New Lenoxmostly inland floodingLow
Mokenamostly 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. Frankfort covers 2 census tracts, combined by population.
Money that reached townFlood claims are matched to Frankfort’s own flood-insurance community; household aid to the registrant’s city; repair grants to the Village of Frankfort. 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 Frankfort total about $9.5M 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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