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Natural hazards · Hometown

Hometown, IL natural hazards

Most of the natural-hazard damage FEMA expects in Hometown comes from cold waves, and overall the risk is moderate for a U.S. community. 6 federal disasters brought FEMA money into town.

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

How exposed is Hometown?

53
Moderate
vs. U.S. communities

FEMA expects yearly storm and flood damage to homes and buildings in Hometown to be higher than in 53% of U.S. communities, mostly from cold waves and inland flooding.

Cold waves38%Inland flooding34%Tornadoes15%Heat waves10%Everything else2%
By hazard

What Hometown 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

34% of expected damage
Well above average · higher than 75% of U.S. places
Recorded about 6 times a year in the area

Tornadoes

15% of expected damage
Well above average · higher than 76% of U.S. places

Heat waves

10% 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 weatherEarthquakesStrong windLightning

Not a risk here

Coastal floodingWildfireLandslidesDroughtAvalanchesTsunamisVolcanic 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 Hometown flood?

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

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

6 federal disasters brought FEMA money here

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

Brought FEMA money into HometownDeclared for Cook County only
2024

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

7 households applied for aid $3K aid approved
2023

Severe Storms and Flooding

15 households applied for aid $10K aid approved
2013

Severe Storms, Straight-Line Winds, and Flooding

6 households applied for aid $788 aid approved
2010

Severe Storms and Flooding

9 households applied for aid $7K aid approved
2000

Illinois Winter Snow Storms

$4K to the City of Hometown for repairs
1999

Il-Winter Storm 1/1/99

$5K to the City of Hometown for repairs
Cook County has had 21 natural disasters declared since 1953, most often floods and severe storms.
Around Hometown

Hometown and the towns around it

Oak Lawn: Very high, mostly inland floodingChicago Ridge: Very high, mostly inland floodingAlsip: High, mostly inland floodingBridgeview: Moderate, mostly inland floodingWorth: Very high, mostly inland floodingChicago: Moderate, mostly inland floodingBurbank: High, mostly inland floodingStickney: High, mostly inland floodingHometown: Moderate, mostly cold waves HometownOak Lawn
Very lowLowModerateHighVery high
Oak Lawnmostly inland floodingVery high
Hometownmostly cold wavesModerate
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. Hometown covers 1 census tract, combined by population.
Money that reached townFlood claims are matched to Hometown’s own flood-insurance community; household aid to the registrant’s city; repair grants to the City of Hometown. 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 Hometown total about $1.6M 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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