Natural hazards · Hoffman Estates

Hoffman Estates, IL natural hazards

Most of the natural-hazard damage FEMA expects in Hoffman Estates comes from cold waves, and overall the risk is very low for a U.S. community. Flood insurance has paid 12 claims here since 1979. 9 federal disasters brought FEMA money into town.

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

Expected damage

How exposed is Hoffman Estates?

Very low

vs. U.S. communities

FEMA expects yearly storm and flood damage to homes and buildings in Hoffman Estates to be higher than in 17% of U.S. communities, mostly from cold waves and inland flooding.

Cold waves38%Inland flooding30%Tornadoes18%Heat waves11%Everything else4%

By hazard

What Hoffman Estates faces

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

Cold waves

38% of expected damage

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

Recorded about 4 times a year in the area

Inland flooding

30% of expected damage

Below average · higher than 33% of U.S. places

Recorded about 6 times a year in the area

Tornadoes

18% of expected damage

Well above average · higher than 76% of U.S. places

Heat waves

11% of expected damage

Well above average · higher than 77% of U.S. places

Recorded about 3 times a year in the area

Lower here

HurricanesHailIce stormsWinter weatherWildfireEarthquakesLandslidesStrong 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 Hoffman Estates flood?

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

12paid claims since 1979

$180Kpaid to owners

0homes flooded more than once

19792026

of homes in flood zones
are insured

of all homes
are insured

🏷️ 15% off flood insurance. Hoffman Estates is in FEMA’s Community Rating System (class 7) for its flood-proofing work.

Insurance rates: Cook County.

Disasters that hit Hoffman Estates

9 federal disasters brought FEMA money here

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

Brought FEMA money into Hoffman EstatesDeclared for Cook County only

2024

Severe Storms, Tornadoes, Straight-Line Winds, and Floodng

26 households applied for aid $65K aid approved

2023

Severe Storms and Flooding

34 households applied for aid $20K aid approved

2013

Severe Storms, Straight-Line Winds, and Flooding

18 households applied for aid $16K aid approved

2011

Severe Winter Storm and Snowstorm

$93K to the Village of Hoffman Estates for repairs

2010

Severe Storms and Flooding

17 households applied for aid $8K aid approved

2008

Severe Storms and Flooding

24 households applied for aid $40K aid approved $21K to the Village of Hoffman Estates for repairs

2007

Severe Storms and Flooding

$121K to the Village of Hoffman Estates for repairs

2000

Illinois Winter Snow Storms

$55K to the Village of Hoffman Estates for repairs

1999

Il-Winter Storm 1/1/99

$60K to the Village of Hoffman Estates for repairs

Cook County has had 21 natural disasters declared since 1953, most often floods and severe storms.

Around Hoffman Estates

Hoffman Estates and the towns around it

Very lowLowModerateHighVery high

Elginmostly inland floodingModerate

Barrington Hillsmostly inland floodingModerate

Palatinemostly inland floodingLow

Invernessmostly inland floodingLow

Schaumburgmostly inland floodingLow

Streamwoodmostly cold wavesLow

South Barringtonmostly inland floodingVery low

Hoffman Estatesmostly cold wavesVery low

Barringtonmostly 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. Hoffman Estates covers 10 census tracts, combined by population.

Money that reached townFlood claims are matched to Hoffman Estates’s own flood-insurance community; household aid to the registrant’s city; repair grants to the Village of Hoffman Estates. 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 Hoffman Estates total about $17.7M 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.