Natural hazards · Harmony

Harmony, IL natural hazards

Most of the natural-hazard damage FEMA expects in Harmony comes from inland flooding, and overall the risk is moderate for a U.S. community.

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

Expected damage

How exposed is Harmony?

Moderate

vs. U.S. communities

FEMA expects yearly storm and flood damage to homes and buildings in Harmony to be higher than in 50% of U.S. communities, mostly from inland flooding and tornadoes.

Inland flooding69%Tornadoes15%Cold waves11%Everything else5%

By hazard

What Harmony faces

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

Inland flooding

69% of expected damage

Above average · higher than 72% of U.S. places

Recorded about once a year in the area

Tornadoes

15% of expected damage

Well above average · higher than 84% of U.S. places

Recorded about once every 61 years in the area

Cold waves

11% 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 Harmony flood?

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

of homes in flood zones
are insured

of all homes
are insured

No community discount. Harmony 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 Harmony

Federal disasters declared here

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

Brought FEMA money into HarmonyDeclared for McHenry County only

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

Around Harmony

Harmony and the towns around it

Very lowLowModerateHighVery high

Harmonymostly inland floodingModerate

Coralmostly inland floodingModerate

Hampshiremostly 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. Harmony 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 Harmony’s own flood-insurance community; household aid to the registrant’s city; repair grants to Harmony. 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.