Natural hazards · Long Lake

Long Lake, IL natural hazards

Most of the natural-hazard damage FEMA expects in Long Lake comes from inland flooding, and overall the risk is moderate for a U.S. community. Flood insurance has paid 14 claims here since 1986.

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

Expected damage

How exposed is Long Lake?

Moderate

vs. U.S. communities

FEMA expects yearly storm and flood damage to homes and buildings in Long Lake to be higher than in 59% of U.S. communities, mostly from inland flooding and cold waves.

Inland flooding54%Cold waves20%Tornadoes18%Everything else8%

By hazard

What Long Lake faces

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

Inland flooding

54% of expected damage

Well above average · higher than 81% of U.S. places

Recorded about 2 times a year in the area

Cold waves

20% of expected damage

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

Recorded about 5 times a year in the area

Tornadoes

18% of expected damage

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

Lower here

HurricanesHailIce stormsWinter weatherHeat wavesWildfireEarthquakesLandslidesStrong windLightning

Not a risk here

Coastal floodingDroughtAvalanchesTsunamisVolcanic 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 Long Lake flood?

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

14paid claims since 1986

$195Kpaid to owners

0homes flooded more than once

19862026

Biggest named events

Midwest Flooding: 4 claims, $62K

of homes in flood zones
are insured

of all homes
are insured

No community discount. Long 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: Lake County.

Disasters that hit Long Lake

Federal disasters declared here

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

Brought FEMA money into Long LakeDeclared for Lake County only

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

Around Long Lake

Long Lake and the towns around it

Very lowLowModerateHighVery high

Round Lake Beachmostly inland floodingHigh

Long Lakemostly inland floodingModerate

Round Lake Heightsmostly inland floodingModerate

Avonmostly inland floodingModerate

Round Lakemostly 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. Long Lake covers 1 census tract, combined by population.

Money that reached townFlood claims are matched to Long Lake’s own flood-insurance community (here, the census tracts inside it); household aid to the registrant’s city; repair grants to Long 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 Long Lake total about $1.5M 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.