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Natural hazards · Hinsdale

Hinsdale, IL natural hazards

Most of the natural-hazard damage FEMA expects in Hinsdale comes from inland flooding, and overall the risk is high for a U.S. community. Flood insurance has paid 53 claims here since 1979. 6 federal disasters brought FEMA money into town.

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

How exposed is Hinsdale?

62
High
vs. U.S. communities

FEMA expects yearly storm and flood damage to homes and buildings in Hinsdale to be higher than in 62% of U.S. communities, mostly from inland flooding.

Inland flooding71%Cold waves12%Tornadoes12%Everything else6%
By hazard

What Hinsdale faces

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

Inland flooding

71% of expected damage
Well above average · higher than 82% of U.S. places
Recorded about 3 times a year in the area

Cold waves

12% of expected damage
Well below average · higher than 22% of U.S. places
Recorded about 5 times a year in the area

Tornadoes

12% of expected damage
Well above average · higher than 75% of U.S. places

Lower here

HurricanesHailIce stormsWinter weatherHeat wavesWildfireEarthquakesLandslidesStrong windLightning

Not a risk here

Coastal floodingDroughtAvalanchesTsunamisVolcanic 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 Hinsdale flood?

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

53paid claims since 1979
$6.0Mpaid to owners
10homes flooded more than once
19792026

Biggest named events

  • Mid-spring storms: 19 claims, $4.1M

Homes that flooded again and again

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

of homes in flood zones
are insured
of all homes
are insured
No community discount. Hinsdale isn’t in FEMA’s Community Rating System, which cuts flood insurance up to 45% in towns that do extra flood-proofing.
Insurance rates: DuPage County.
Disasters that hit Hinsdale

6 federal disasters brought FEMA money here

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

Brought FEMA money into HinsdaleDeclared for DuPage County only
2013

Severe Storms, Straight-Line Winds, and Flooding

50 households applied for aid $289K aid approved $11K to the Village of Hinsdale for repairs
2011

Severe Winter Storm and Snowstorm

$28K to the Village of Hinsdale for repairs
2010

Severe Storms and Flooding

50 households applied for aid $178K aid approved
2008

Severe Storms and Flooding

1 household applied for aid $8K to the Village of Hinsdale for repairs
2000

Illinois Winter Snow Storms

$28K to the Village of Hinsdale for repairs
1999

Il-Winter Storm 1/1/99

$23K to the Village of Hinsdale for repairs
DuPage County has had 14 natural disasters declared since 1953, most often floods and winter storms.
Around Hinsdale

Hinsdale and the towns around it

Burr Ridge: Moderate, mostly inland floodingOak Brook: Low, mostly inland floodingWestern Springs: High, mostly inland floodingIndian Head Park: High, mostly inland floodingWestmont: Very low, mostly inland floodingClarendon Hills: Very low, mostly inland floodingDowners Grove: Low, mostly inland floodingYork: Low, mostly inland floodingWillow Springs: High, mostly inland floodingWillowbrook: Low, mostly inland floodingCountryside: Very low, mostly inland floodingOakbrook Terrace: Low, mostly inland floodingLombard: Low, mostly inland floodingDowners Grove: Low, mostly inland floodingProviso: High, mostly inland floodingElmhurst: High, mostly inland floodingLyons: High, mostly inland floodingDarien: Low, mostly inland floodingLemont: Low, mostly inland floodingLisle: Low, mostly inland floodingWoodridge: Low, mostly inland floodingLemont: Low, mostly inland floodingMilton: Moderate, mostly inland floodingAddison: Low, mostly inland floodingVilla Park: Low, mostly inland floodingBerkeley: Moderate, mostly inland floodingNorthlake: High, mostly inland floodingLeyden: Moderate, mostly inland floodingHinsdale: High, mostly inland flooding HinsdaleBurr RidgeOak BrookWestern SpringsIndian Head ParkWestmontClarendon HillsDowners GroveYork
Very lowLowModerateHighVery high
Western Springsmostly inland floodingHigh
Indian Head Parkmostly inland floodingHigh
Hinsdalemostly inland floodingHigh
Burr Ridgemostly inland floodingModerate
Yorkmostly inland floodingLow
Oak Brookmostly inland floodingLow
Downers Grovemostly inland floodingLow
Westmontmostly inland floodingVery low
Clarendon Hillsmostly 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. Hinsdale covers 4 census tracts, combined by population.
Money that reached townFlood claims are matched to Hinsdale’s own flood-insurance community; household aid to the registrant’s city; repair grants to the Village of Hinsdale. 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 Hinsdale total about $12.2M 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.

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Boundary source: https://tigerweb.geo.census.gov/arcgis/rest/services/TIGERweb/Places_CouSub_ConCity_SubMCD/MapServer/18 · 2025-01-01
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