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Natural hazards · Golf

Golf, IL natural hazards

Most of the natural-hazard damage FEMA expects in Golf comes from inland flooding, and overall the risk is very high for a U.S. community. Flood insurance has paid 16 claims here since 1987. 2 federal disasters brought FEMA money into town.

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

How exposed is Golf?

80
Very high
vs. U.S. communities

FEMA expects yearly storm and flood damage to homes and buildings in Golf to be higher than in 80% of U.S. communities, mostly from inland flooding.

Inland flooding71%Cold waves14%Tornadoes8%Everything else6%
By hazard

What Golf faces

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

Inland flooding

71% of expected damage
Well above average · higher than 93% of U.S. places
Recorded about 6 times a year in the area

Cold waves

14% of expected damage
Well below average · higher than 22% of U.S. places
Recorded about 4 times a year in the area

Tornadoes

8% of expected damage
Well above average · higher than 76% of U.S. places

Lower here

HurricanesHailIce stormsWinter weatherHeat wavesWildfireEarthquakesLandslidesStrong windLightning

Not a risk here

Coastal floodingDroughtAvalanchesTsunamisVolcanic 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 Golf flood?

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

16paid claims since 1987
$455Kpaid to owners
0homes flooded more than once
19872026

Biggest named events

  • Hurricane Ike: 5 claims, $160K
  • Mid-spring storms: 4 claims, $202K
of homes in flood zones
are insured
of all homes
are insured
No community discount. Golf 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 Golf

2 federal disasters brought FEMA money here

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

Brought FEMA money into GolfDeclared for Cook County only
2008

Severe Storms and Flooding

1 household applied for aid
2007

Severe Storms and Flooding

$4K to the Village of Golf for repairs
Cook County has had 21 natural disasters declared since 1953, most often floods and severe storms.
Around Golf

Golf and the towns around it

Glenview: High, mostly inland floodingNorthbrook: Moderate, mostly inland floodingWilmette: Moderate, mostly inland floodingNorthfield: Moderate, mostly inland floodingNiles: Low, mostly inland floodingDes Plaines: Moderate, mostly inland floodingMorton Grove: Moderate, mostly inland floodingSkokie: Moderate, mostly inland floodingNorthfield: Moderate, mostly inland floodingProspect Heights: Moderate, mostly inland floodingWheeling: Moderate, mostly inland floodingGolf: Very high, mostly inland flooding GolfGlenview
Very lowLowModerateHighVery high
Golfmostly inland floodingVery high
Glenviewmostly inland floodingHigh
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. Golf covers 1 census tract, combined by population.
Money that reached townFlood claims are matched to Golf’s own flood-insurance community (here, the census tracts inside it); household aid to the registrant’s city; repair grants to the Village of Golf. 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 Golf total about $2.4M 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/18 · 2025-01-01
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