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Natural hazards · Geneva

Geneva, IL natural hazards

Most of the natural-hazard damage FEMA expects in Geneva comes from inland flooding, and overall the risk is low for a U.S. community. Flood insurance has paid 5 claims here since 2007. 6 federal disasters brought FEMA money into town.

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

How exposed is Geneva?

31
Low
vs. U.S. communities

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

Inland flooding56%Cold waves20%Tornadoes18%Everything else5%
By hazard

What Geneva 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 2 times a year in the area

Cold waves

20% of expected damage
Well below average · higher than 24% of U.S. places
Recorded about 6 times a year in the area

Tornadoes

18% of expected damage
Well above average · higher than 80% 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 Geneva flood?

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

5paid claims since 2007
$173Kpaid to owners
0homes flooded more than once
20072026

Biggest named events

  • Hurricane Ike: 2 claims, $21K
  • Mid-spring storms: 1 claim, $1K
of homes in flood zones
are insured
of all homes
are insured
No community discount. Geneva isn’t in FEMA’s Community Rating System, which cuts flood insurance up to 45% in towns that do extra flood-proofing.
Insurance rates: Kane County.
Disasters that hit Geneva

6 federal disasters brought FEMA money here

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

Brought FEMA money into GenevaDeclared for Kane County only
2013

Severe Storms, Straight-Line Winds, and Flooding

26 households applied for aid $82K aid approved
2011

Severe Winter Storm and Snowstorm

$55K to the City of Geneva for repairs
2008

Severe Storms and Flooding

38 households applied for aid $99K aid approved
2007

Severe Storms and Flooding

3 households applied for aid $3K aid approved $57K to the City of Geneva for repairs
2000

Illinois Winter Snow Storms

$32K to the City of Geneva for repairs
1999

Il-Winter Storm 1/1/99

$52K to the City of Geneva for repairs
Kane County has had 14 natural disasters declared since 1953, most often floods and winter storms.
Around Geneva

Geneva and the towns around it

Batavia: Very low, mostly inland floodingSt. Charles: Low, mostly inland floodingSt. Charles: Moderate, mostly inland floodingGeneva: Low, mostly inland floodingNorth Aurora: Very low, mostly inland floodingAurora: Low, mostly inland floodingBatavia: Low, mostly inland floodingWest Chicago: Very low, mostly inland floodingWayne: Very low, mostly inland floodingCampton: Low, mostly inland floodingCampton Hills: Low, mostly inland floodingElgin: Moderate, mostly inland floodingSouth Elgin: Moderate, mostly inland floodingWayne: Low, mostly inland floodingElgin: Moderate, mostly inland floodingBlackberry: Low, mostly inland floodingGeneva: Low, mostly inland flooding GenevaBataviaSt. CharlesSt. CharlesGeneva
Very lowLowModerateHighVery high
St. Charlesmostly inland floodingModerate
Genevamostly inland floodingLow
St. Charlesmostly inland floodingLow
Genevamostly inland floodingLow
Bataviamostly 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. Geneva covers 4 census tracts, combined by population.
Money that reached townFlood claims are matched to Geneva’s own flood-insurance community; household aid to the registrant’s city; repair grants to the City of Geneva. 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 Geneva total about $9.3M 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
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