Natural hazards · Heritage Lake

Heritage Lake, IL natural hazards

Most of the natural-hazard damage FEMA expects in Heritage Lake 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 Heritage Lake?

Moderate

vs. U.S. communities

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

Inland flooding46%Cold waves21%Tornadoes13%Drought5%Everything else14%

By hazard

What Heritage 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

Above average · higher than 64% of U.S. places

Recorded about once a year in the area

Cold waves

21% of expected damage

Above average · higher than 61% of U.S. places

Recorded about 5 times a year in the area

Tornadoes

13% of expected damage

Well above average · higher than 95% of U.S. places

Recorded about once every 13 years in the area

Drought

5% of expected damage

Recorded about 4 times a year in the area

Lower here

HurricanesHailIce stormsWinter weatherHeat wavesWildfireEarthquakesLandslidesStrong windLightning

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 Heritage Lake flood?

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

of homes in flood zones
are insured

of all homes
are insured

No community discount. Heritage 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: Tazewell County.

Disasters that hit Heritage Lake

Federal disasters declared here

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

Brought FEMA money into Heritage LakeDeclared for Tazewell County only

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

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