Natural hazards · Lake Summerset

Lake Summerset, IL natural hazards

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

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

Expected damage

How exposed is Lake Summerset?

Very low

vs. U.S. communities

FEMA expects yearly storm and flood damage to homes and buildings in Lake Summerset to be higher than in 17% of U.S. communities, mostly from inland flooding and tornadoes.

Inland flooding53%Tornadoes18%Cold waves13%Hail6%Everything else11%

By hazard

What Lake Summerset faces

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

Inland flooding

53% of expected damage

Well below average · higher than 24% of U.S. places

Recorded about 2 times a year in the area

Tornadoes

18% of expected damage

Well above average · higher than 79% of U.S. places

Recorded about once every 12 years in the area

Cold waves

13% of expected damage

Below average · higher than 29% of U.S. places

Recorded about 6 times a year in the area

Hail

6% of expected damage

Well above average · higher than 85% of U.S. places

Recorded about 5 times a year in the area

Lower here

HurricanesIce stormsWinter weatherHeat wavesWildfireEarthquakesLandslidesStrong 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 Lake Summerset flood?

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

of homes in flood zones
are insured

of all homes
are insured

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

Insurance rates: Winnebago County.

Disasters that hit Lake Summerset

Federal disasters declared here

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

Brought FEMA money into Lake SummersetDeclared for Winnebago County only

Winnebago County has had 17 natural disasters declared since 1953, most often winter storms and floods.

Around Lake Summerset

Lake Summerset and the towns around it

Very lowLowModerateHighVery high

Rock Grovemostly inland floodingLow

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