Natural hazards · Grafton

Grafton, IL natural hazards

Most of the natural-hazard damage FEMA expects in Grafton comes from inland flooding, and overall the risk is low for a U.S. community. Flood insurance has paid 5 claims here since 1982.

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

Expected damage

How exposed is Grafton?

Low

vs. U.S. communities

FEMA expects yearly storm and flood damage to homes and buildings in Grafton to be higher than in 36% of U.S. communities, mostly from inland flooding and tornadoes.

Inland flooding55%Tornadoes19%Cold waves19%Everything else7%

By hazard

What Grafton faces

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

Inland flooding

55% of expected damage

Above average · higher than 58% of U.S. places

Recorded about once a year in the area

Tornadoes

19% of expected damage

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

Cold waves

19% of expected damage

Below average · higher than 31% of U.S. places

Recorded about 6 times a year 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 Grafton flood?

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

5paid claims since 1982

$12Kpaid to owners

0homes flooded more than once

19822026

of homes in flood zones
are insured

of all homes
are insured

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

Insurance rates: McHenry County.

Disasters that hit Grafton

Federal disasters declared here

None of the disasters declared for McHenry County shows FEMA aid or repair money reaching Grafton itself in FEMA’s records.

Brought FEMA money into GraftonDeclared for McHenry County only

McHenry County has had 14 natural disasters declared since 1953, most often winter storms and floods.

Around Grafton

Grafton and the towns around it

Very lowLowModerateHighVery high

Coralmostly inland floodingModerate

Algonquinmostly inland floodingModerate

Huntleymostly inland floodingModerate

Graftonmostly inland floodingLow

Rutlandmostly inland floodingLow

Crystal Lakemostly inland floodingLow

Algonquinmostly inland floodingVery low

Dorrmostly 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. Grafton covers 10 census tracts, combined by population.

Money that reached townFlood claims are matched to Grafton’s own flood-insurance community (here, the census tracts inside it); household aid to the registrant’s city; repair grants to the Township of Grafton. 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 Grafton total about $19.5M 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.