Natural hazards · Lakemoor

Lakemoor, IL natural hazards

Most of the natural-hazard damage FEMA expects in Lakemoor comes from inland flooding, and overall the risk is very high for a U.S. community. Flood insurance has paid 5 claims here since 1993. 1 federal disaster brought FEMA money into town.

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

Expected damage

How exposed is Lakemoor?

Very high

vs. U.S. communities

FEMA expects yearly storm and flood damage to homes and buildings in Lakemoor to be higher than in 88% of U.S. communities, mostly from inland flooding.

Inland flooding80%Cold waves9%Tornadoes8%Everything else3%

By hazard

What Lakemoor faces

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

Inland flooding

80% of expected damage

Well above average · higher than 97% of U.S. places

Recorded about once a year in the area

Cold waves

9% of expected damage

Below average · higher than 31% of U.S. places

Recorded about 6 times a year in the area

Tornadoes

8% of expected damage

Well above average · higher than 82% 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 Lakemoor flood?

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

5paid claims since 1993

$43Kpaid to owners

1homes flooded more than once

19932026

Biggest named events

Midwest Flooding: 1 claim, $304

Homes that flooded again and again

■ FEMA “severe repetitive loss” (0) ■ flooded 2+ times

of homes in flood zones
are insured

of all homes
are insured

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

Insurance rates: McHenry County.

Disasters that hit Lakemoor

1 federal disaster brought FEMA money here

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

Brought FEMA money into LakemoorDeclared for McHenry County only

2013

Severe Storms, Straight-Line Winds, and Flooding

4 households applied for aid $6K aid approved

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

Around Lakemoor

Lakemoor and the towns around it

Very lowLowModerateHighVery high

Lakemoormostly inland floodingVery high

Nundamostly inland floodingHigh

Johnsburgmostly inland floodingModerate

Volomostly inland floodingModerate

Waucondamostly inland floodingModerate

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. Lakemoor covers 1 census tract, combined by population.

Money that reached townFlood claims are matched to Lakemoor’s own flood-insurance community; household aid to the registrant’s city; repair grants to the Village of Lakemoor. 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 Lakemoor total about $6.8M 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.