Natural hazards · Lovejoy

Lovejoy, IL natural hazards

Most of the natural-hazard damage FEMA expects in Lovejoy 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 Lovejoy?

High

vs. U.S. communities

FEMA expects yearly storm and flood damage to homes and buildings in Lovejoy to be higher than in 78% of U.S. communities, mostly from inland flooding and cold waves.

Inland flooding55%Cold waves32%Tornadoes5%Everything else8%

By hazard

What Lovejoy faces

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

Inland flooding

55% of expected damage

Well above average · higher than 91% of U.S. places

Recorded about once a year in the area

Cold waves

32% of expected damage

Above average · higher than 57% of U.S. places

Recorded about 4 times a year in the area

Tornadoes

5% of expected damage

Well above average · higher than 79% of U.S. places

Recorded about once every 7 years in the area

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 Lovejoy flood?

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

of homes in flood zones
are insured

of all homes
are insured

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

Insurance rates: Iroquois County.

Disasters that hit Lovejoy

Federal disasters declared here

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

Brought FEMA money into LovejoyDeclared for Iroquois County only

Iroquois County has had 7 natural disasters declared since 1953, most often severe storms and winter storms.

Around Lovejoy

Lovejoy and the towns around it

Very lowLowModerateHighVery high

Lovejoymostly inland floodingHigh

Milfordmostly inland floodingHigh

Prairie Greenmostly inland floodingHigh

Fountain Creekmostly inland floodingHigh

Grantmostly 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. Lovejoy 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 Lovejoy’s own flood-insurance community; household aid to the registrant’s city; repair grants to the Township of Lovejoy. 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.