Natural hazards · Lake Carroll

Lake Carroll, IL natural hazards

Most of the natural-hazard damage FEMA expects in Lake Carroll comes from inland flooding, and overall the risk is low for a U.S. community.

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

Expected damage

How exposed is Lake Carroll?

Low

vs. U.S. communities

FEMA expects yearly storm and flood damage to homes and buildings in Lake Carroll to be higher than in 28% of U.S. communities, mostly from inland flooding and tornadoes.

Inland flooding40%Tornadoes15%Cold waves12%Strong wind12%Drought9%Hail7%Everything else5%

By hazard

What Lake Carroll faces

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

Inland flooding

40% of expected damage

Below average · higher than 28% of U.S. places

Recorded about once a year in the area

Tornadoes

15% of expected damage

Well above average · higher than 84% of U.S. places

Recorded about once every 15 years in the area

Cold waves

12% of expected damage

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

Recorded about 6 times a year in the area

Strong wind

12% of expected damage

Well above average · higher than 98% of U.S. places

Recorded about 6 times a year in the area

Drought

9% of expected damage

Recorded about 12 times a year in the area

Hail

7% of expected damage

Well above average · higher than 87% of U.S. places

Recorded about 4 times a year in the area

Lower here

HurricanesIce stormsWinter weatherHeat wavesWildfireEarthquakesLandslidesLightning

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 Lake Carroll flood?

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

of homes in flood zones
are insured

of all homes
are insured

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

Insurance rates: Carroll County.

Disasters that hit Lake Carroll

Federal disasters declared here

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

Brought FEMA money into Lake CarrollDeclared for Carroll County only

Carroll County has had 14 natural disasters declared since 1953, most often floods and winter storms.

Around Lake Carroll

Lake Carroll and the towns around it

Very lowLowModerateHighVery high

Freedommostly inland floodingModerate

Lake Carrollmostly inland floodingLow

Cherry Grove-Shannonmostly inland floodingLow

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