Natural hazards · Hainesville

Hainesville, IL natural hazards

Most of the natural-hazard damage FEMA expects in Hainesville comes from inland flooding, and overall the risk is moderate for a U.S. community. 4 federal disasters brought FEMA money into town.

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

Expected damage

How exposed is Hainesville?

Moderate

vs. U.S. communities

FEMA expects yearly storm and flood damage to homes and buildings in Hainesville to be higher than in 46% of U.S. communities, mostly from inland flooding and cold waves.

Inland flooding58%Cold waves17%Tornadoes17%Everything else8%

By hazard

What Hainesville faces

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

Inland flooding

58% of expected damage

Above average · higher than 70% of U.S. places

Recorded about 2 times a year in the area

Cold waves

17% of expected damage

Well below average · higher than 24% of U.S. places

Recorded about 5 times a year in the area

Tornadoes

17% of expected damage

Above average · higher than 72% 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 Hainesville flood?

FEMA's records show no paid flood insurance claims in Hainesville.

of homes in flood zones
are insured

of all homes
are insured

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

Insurance rates: Lake County.

Disasters that hit Hainesville

4 federal disasters brought FEMA money here

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

Brought FEMA money into HainesvilleDeclared for Lake County only

2011

Severe Winter Storm and Snowstorm

$28K to the Village of Hainesville for repairs

2008

Record Snow and Near Record Snow

$8K to the Village of Hainesville for repairs

2000

Illinois Winter Snow Storms

$2K to the Village of Hainesville for repairs

1999

Il-Winter Storm 1/1/99

$3K to the Village of Hainesville for repairs

Lake County has had 15 natural disasters declared since 1953, most often winter storms and floods.

Around Hainesville

Hainesville and the towns around it

Very lowLowModerateHighVery high

Round Lake Parkmostly inland floodingModerate

Hainesvillemostly inland floodingModerate

Grayslakemostly 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. Hainesville is smaller than a census tract, so it shares the figures of the tract around its center.

Money that reached townFlood claims are matched to Hainesville’s own flood-insurance community; household aid to the registrant’s city; repair grants to the Village of Hainesville. FEMA’s model follows property values, so a place that recently lost many homes can rate lower than it feels.

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.