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Natural hazards · Loves Park

Loves Park, IL natural hazards

Most of the natural-hazard damage FEMA expects in Loves Park comes from inland flooding, and overall the risk is moderate for a U.S. community. Flood insurance has paid 70 claims here since 1978. 9 federal disasters brought FEMA money into town.

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

How exposed is Loves Park?

50
Moderate
vs. U.S. communities

FEMA expects yearly storm and flood damage to homes and buildings in Loves Park to be higher than in 50% of U.S. communities, mostly from inland flooding and cold waves.

Inland flooding58%Cold waves16%Tornadoes15%Everything else11%
By hazard

What Loves Park faces

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

Inland flooding

58% of expected damage
Above average · higher than 69% of U.S. places
Recorded about 2 times a year in the area

Cold waves

16% of expected damage
Below average · higher than 29% of U.S. places
Recorded about 6 times a year in the area

Tornadoes

15% of expected damage
Well above average · higher than 79% 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 Loves Park flood?

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

70paid claims since 1978
$1.2Mpaid to owners
2homes flooded more than once
19782026

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. Loves Park isn’t in FEMA’s Community Rating System, which cuts flood insurance up to 45% in towns that do extra flood-proofing.
Insurance rates: Winnebago County.
Disasters that hit Loves Park

9 federal disasters brought FEMA money here

Disasters the President declared that paid out in Loves Park itself: aid to households, or repair grants to the City of Loves Park.

Brought FEMA money into Loves ParkDeclared for Winnebago County only
2024

Severe Storms, Tornadoes, Straight-Line Winds, and Floodng

37 households applied for aid $53K aid approved
2013

Severe Storms, Straight-Line Winds, and Flooding

4 households applied for aid $3K aid approved
2011

Severe Winter Storm and Snowstorm

$54K to the City of Loves Park for repairs
2010

Severe Storms and Flooding

1 household applied for aid $446 aid approved
2008

Severe Storms and Flooding

12 households applied for aid $25K aid approved
2008

Record Snow and Near Record Snow

$54K to the City of Loves Park for repairs
2007

Severe Storms and Flooding

15 households applied for aid $4K aid approved
2006

Snow

$38K to the City of Loves Park for repairs
2000

Illinois Winter Snow Storms

$18K to the City of Loves Park for repairs
Winnebago County has had 17 natural disasters declared since 1953, most often winter storms and floods.
Around Loves Park

Loves Park and the towns around it

Machesney Park: High, mostly inland floodingRockford: Moderate, mostly inland floodingHarlem: High, mostly inland floodingArgyle: Low, mostly inland floodingOwen: High, mostly inland floodingBelvidere: Moderate, mostly inland floodingRockford: Moderate, mostly inland floodingRoscoe: Moderate, mostly inland floodingRoscoe: Moderate, mostly inland floodingNew Milford: Moderate, mostly inland floodingCherry Valley: Very low, mostly inland floodingCaledonia: Low, mostly inland floodingRockton: High, mostly inland floodingRockton: High, mostly inland floodingFlora: Low, mostly inland floodingBonus: Moderate, mostly inland floodingCherry Valley: Low, mostly inland floodingWinnebago: Very low, mostly inland floodingMonroe: Low, mostly inland floodingScott: Moderate, mostly inland floodingByron: High, mostly inland floodingMarion: High, mostly inland floodingLoves Park: Moderate, mostly inland flooding Loves ParkMachesney ParkRockfordHarlemArgyleOwenBelvidereRockford
Very lowLowModerateHighVery high
Machesney Parkmostly inland floodingHigh
Harlemmostly inland floodingHigh
Owenmostly inland floodingHigh
Rockfordmostly inland floodingModerate
Rockfordmostly inland floodingModerate
Belvideremostly inland floodingModerate
Loves Parkmostly inland floodingModerate
Argylemostly inland floodingLow
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. Loves Park covers 6 census tracts, combined by population.
Money that reached townFlood claims are matched to Loves Park’s own flood-insurance community; household aid to the registrant’s city; repair grants to the City of Loves Park. 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 Loves Park total about $9.8M 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.

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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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