Natural hazards · Goose Lake

Goose Lake, IL natural hazards

Most of the natural-hazard damage FEMA expects in Goose Lake comes from inland flooding, and overall the risk is high for a U.S. community. Flood insurance has paid 105 claims here since 1978. 1 federal disaster brought FEMA money into town.

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

Expected damage

How exposed is Goose Lake?

High

vs. U.S. communities

FEMA expects yearly storm and flood damage to homes and buildings in Goose Lake to be higher than in 66% of U.S. communities, mostly from inland flooding and cold waves.

Inland flooding46%Cold waves39%Tornadoes9%Everything else6%

By hazard

What Goose Lake faces

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

Inland flooding

46% of expected damage

Well above average · higher than 83% of U.S. places

Recorded about once a year in the area

Cold waves

39% of expected damage

Well below average · higher than 18% of U.S. places

Recorded about 5 times a year in the area

Tornadoes

9% of expected damage

Well above average · higher than 85% of U.S. places

Recorded about once every 30 years in the area

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 Goose Lake flood?

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

105paid claims since 1978

$2.2Mpaid to owners

0homes flooded more than once

19782026

Biggest named events

Hurricane Ike: 15 claims, $477K
Mid-spring storms: 5 claims, $123K
Midwest Flooding: 1 claim, $20K

of homes in flood zones
are insured

of all homes
are insured

No community discount. Goose Lake isn’t in FEMA’s Community Rating System, which cuts flood insurance up to 45% in towns that do extra flood-proofing.

Insurance rates: Grundy County.

Disasters that hit Goose Lake

1 federal disaster brought FEMA money here

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

Brought FEMA money into Goose LakeDeclared for Grundy County only

1999

Il-Winter Storm 1/1/99

$6K to the Township of Goose Lake for repairs

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

Around Goose Lake

Goose Lake and the towns around it

Very lowLowModerateHighVery high

Wauponseemostly inland floodingVery high

Wilmingtonmostly inland floodingHigh

Goose Lakemostly inland floodingHigh

Felixmostly inland floodingHigh

Morrismostly cold wavesModerate

Aux Sablemostly cold wavesModerate

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. Goose Lake covers 1 census tract, combined by population.

Money that reached townFlood claims are matched to Goose Lake’s own flood-insurance community (here, the census tracts inside it); household aid to the registrant’s city; repair grants to the Township of Goose Lake. 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 Goose Lake total about $5.9M 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.