Natural hazards · Hinckley

Hinckley, IL natural hazards

Most of the natural-hazard damage FEMA expects in Hinckley comes from inland flooding, and overall the risk is moderate for a U.S. community. Flood insurance has paid 5 claims here since 1996. 2 federal disasters brought FEMA money into town.

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

Expected damage

How exposed is Hinckley?

Moderate

vs. U.S. communities

FEMA expects yearly storm and flood damage to homes and buildings in Hinckley to be higher than in 42% of U.S. communities, mostly from inland flooding and cold waves.

Inland flooding57%Cold waves19%Tornadoes12%Drought5%Everything else7%

By hazard

What Hinckley faces

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

Inland flooding

57% of expected damage

Above average · higher than 66% of U.S. places

Recorded about once a year in the area

Cold waves

19% of expected damage

Well below average · higher than 22% of U.S. places

Recorded about 6 times a year in the area

Tornadoes

12% of expected damage

Well above average · higher than 75% of U.S. places

Recorded about once every 14 years in the area

Drought

5% of expected damage

Recorded about 9 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 Hinckley flood?

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

5paid claims since 1996

$84Kpaid to owners

1homes flooded more than once

19962026

Biggest named events

Hurricane Ike: 1 claim, $3K

Homes that flooded again and again

■ FEMA “severe repetitive loss” (0) ■ flooded 2+ times

of homes in flood zones
are insured

of all homes
are insured

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

Insurance rates: DeKalb County.

Disasters that hit Hinckley

2 federal disasters brought FEMA money here

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

Brought FEMA money into HinckleyDeclared for DeKalb County only

2013

Severe Storms, Straight-Line Winds, and Flooding

12 households applied for aid $9K aid approved

2008

Severe Storms and Flooding

49 households applied for aid $147K aid approved

DeKalb County has had 10 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. Hinckley 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 Hinckley’s own flood-insurance community; household aid to the registrant’s city; repair grants to the Village of Hinckley. 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.