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Natural hazards · Lena

Lena, IL natural hazards

Most of the natural-hazard damage FEMA expects in Lena comes from inland flooding, and overall the risk is low for a U.S. community. Flood insurance has paid 1 claim here since 2022. 2 federal disasters brought FEMA money into town.

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

How exposed is Lena?

26
Low
vs. U.S. communities

FEMA expects yearly storm and flood damage to homes and buildings in Lena to be higher than in 26% of U.S. communities, mostly from inland flooding and tornadoes.

Inland flooding50%Tornadoes16%Cold waves12%Hail9%Strong wind6%Everything else8%
By hazard

What Lena faces

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

Inland flooding

50% of expected damage
Below average · higher than 31% of U.S. places
Recorded about once a year in the area

Tornadoes

16% of expected damage
Well above average · higher than 82% of U.S. places
Recorded about once every 18 years in the area

Cold waves

12% of expected damage
Below average · higher than 26% of U.S. places
Recorded about 6 times a year in the area

Hail

9% of expected damage
Well above average · higher than 90% of U.S. places
Recorded about 4 times a year in the area

Strong wind

6% of expected damage
Well above average · higher than 91% of U.S. places
Recorded about 5 times a year in the area

Lower here

HurricanesIce stormsWinter weatherHeat wavesWildfireEarthquakesLandslidesLightningDrought

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 Lena flood?

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

1paid claims since 2022
$42Kpaid to owners
0homes flooded more than once
20222026
of homes in flood zones
are insured
of all homes
are insured
No community discount. Lena isn’t in FEMA’s Community Rating System, which cuts flood insurance up to 45% in towns that do extra flood-proofing.
Insurance rates: Stephenson County.
Disasters that hit Lena

2 federal disasters brought FEMA money here

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

Brought FEMA money into LenaDeclared for Stephenson County only
2010

Severe Storms and Flooding

29 households applied for aid $72K aid approved
2007

Severe Storms and Flooding

1 household applied for aid $3K aid approved
Stephenson County has had 12 natural disasters declared since 1953, most often floods and winter storms.
Around Lena

Lena and the towns around it

Erin: Very low, mostly inland floodingKent: Very low, mostly inland floodingLoran: Very low, mostly inland floodingHarlem: Low, mostly inland floodingWaddams: Low, mostly inland floodingWards Grove: Low, mostly inland floodingJefferson: Very low, mostly inland floodingWest Point: Low, mostly inland floodingNora: Low, mostly inland floodingLena: Low, mostly inland flooding LenaErinKent
Very lowLowModerateHighVery high
Lenamostly inland floodingLow
Erinmostly inland floodingVery low
Kentmostly 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. Lena 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 Lena’s own flood-insurance community; household aid to the registrant’s city; repair grants to the Village of Lena. 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.

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Boundary source: https://tigerweb.geo.census.gov/arcgis/rest/services/TIGERweb/Places_CouSub_ConCity_SubMCD/MapServer/18 · 2025-01-01
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