Natural hazards · Lake Villa

Lake Villa, IL natural hazards

Most of the natural-hazard damage FEMA expects in Lake Villa comes from inland flooding, and overall the risk is moderate for a U.S. community. Flood insurance has paid 8 claims here since 1979. 5 federal disasters brought FEMA money into town.

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

Expected damage

How exposed is Lake Villa?

Moderate

vs. U.S. communities

FEMA expects yearly storm and flood damage to homes and buildings in Lake Villa to be higher than in 49% of U.S. communities, mostly from inland flooding and cold waves.

Inland flooding59%Cold waves17%Tornadoes17%Everything else7%

By hazard

What Lake Villa faces

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

Inland flooding

59% of expected damage

Above average · higher than 74% of U.S. places

Recorded about 2 times a year in the area

Cold waves

17% of expected damage

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

Recorded about 5 times a year in the area

Tornadoes

17% of expected damage

Above average · higher than 72% of U.S. places

Lower here

HurricanesHailIce 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 Villa flood?

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

8paid claims since 1979

$24Kpaid to owners

0homes flooded more than once

19792026

Biggest named events

Mid-spring storms: 1 claim, $8K

of homes in flood zones
are insured

of all homes
are insured

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

Insurance rates: Lake County.

Disasters that hit Lake Villa

5 federal disasters brought FEMA money here

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

Brought FEMA money into Lake VillaDeclared for Lake County only

2013

Severe Storms, Straight-Line Winds, and Flooding

11 households applied for aid $47K aid approved

2011

Severe Winter Storm and Snowstorm

$27K to the Village of Lake Villa for repairs

2008

Severe Storms and Flooding

7 households applied for aid $3K aid approved

2008

Record Snow and Near Record Snow

$17K to the Village of Lake Villa for repairs

2000

Illinois Winter Snow Storms

$8K to the Village of Lake Villa for repairs

Lake County has had 15 natural disasters declared since 1953, most often winter storms and floods.

Around Lake Villa

Lake Villa and the towns around it

Very lowLowModerateHighVery high

Round Lake Beachmostly inland floodingHigh

Fox Lake Hillsmostly inland floodingHigh

Round Lake Heightsmostly inland floodingModerate

Lake Villamostly inland floodingModerate

Venetian Villagemostly inland floodingLow

Lindenhurstmostly inland floodingLow

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 Villa covers 3 census tracts, combined by population.

Money that reached townFlood claims are matched to Lake Villa’s own flood-insurance community; household aid to the registrant’s city; repair grants to the Village of Lake Villa. 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 Lake Villa total about $5.9M 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.