Natural hazards · Lake

Lake, IL natural hazards

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

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

Expected damage

How exposed is Lake?

High

vs. U.S. communities

FEMA expects yearly storm and flood damage to homes and buildings in Lake to be higher than in 73% of U.S. communities, mostly from inland flooding and earthquakes.

Inland flooding35%Earthquakes34%Tornadoes8%Cold waves7%Strong wind6%Everything else10%

By hazard

What Lake faces

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

Inland flooding

35% of expected damage

Above average · higher than 65% of U.S. places

Recorded about once a year in the area

Earthquakes

34% of expected damage

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

Tornadoes

8% of expected damage

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

Recorded about once every 17 years in the area

Cold waves

7% of expected damage

Well below average · higher than 19% of U.S. places

Recorded about once a year in the area

Strong wind

6% of expected damage

Well above average · higher than 96% of U.S. places

Recorded about 6 times a year in the area

Lower here

HurricanesHailIce stormsWinter weatherHeat wavesWildfireLandslidesLightningDrought

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 flood?

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

of homes in flood zones
are insured

of all homes
are insured

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

Insurance rates: Clinton County.

Disasters that hit Lake

Federal disasters declared here

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

Brought FEMA money into LakeDeclared for Clinton County only

Clinton County has had 5 natural disasters declared since 1953, most often floods and hurricanes.

Around Lake

Lake and the towns around it

Very lowLowModerateHighVery high

Clementmostly inland floodingVery high

Hoyletonmostly earthquakesHigh

Covingtonmostly earthquakesHigh

Lakemostly inland floodingHigh

Santa Femostly inland floodingHigh

Carlylemostly inland floodingHigh

Brooksidemostly inland floodingHigh

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 covers 1 census tract, combined by population.

Money that reached townFlood claims are matched to Lake’s own flood-insurance community; household aid to the registrant’s city; repair grants to the Township of Lake. 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 total about $4.5M 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.