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Natural hazards · Machesney Park

Machesney Park, IL natural hazards

Most of the natural-hazard damage FEMA expects in Machesney Park comes from inland flooding, and overall the risk is high for a U.S. community. Flood insurance has paid 378 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 Machesney Park?

79
High
vs. U.S. communities

FEMA expects yearly storm and flood damage to homes and buildings in Machesney Park to be higher than in 79% of U.S. communities, mostly from inland flooding.

Inland flooding66%Cold waves13%Tornadoes12%Everything else9%
By hazard

What Machesney Park faces

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

Inland flooding

66% of expected damage
Well above average · higher than 92% of U.S. places
Recorded about 2 times a year in the area

Cold waves

13% of expected damage
Below average · higher than 29% of U.S. places
Recorded about 6 times a year in the area

Tornadoes

12% 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 Machesney Park flood?

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

378paid claims since 1978
$9.8Mpaid to owners
53homes flooded more than once
19782026

Biggest named events

  • Mid-spring storms: 11 claims, $129K
  • Midwest Flooding: 6 claims, $24K

Homes that flooded again and again

■ FEMA “severe repetitive loss” (13) ■ flooded 2+ times

of homes in flood zones
are insured
of all homes
are insured
No community discount. Machesney 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.

What’s been done with FEMA grants

261flood-prone properties bought out and cleared
Disasters that hit Machesney Park

9 federal disasters brought FEMA money here

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

Brought FEMA money into Machesney ParkDeclared for Winnebago County only
2024

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

34 households applied for aid $30K aid approved
2013

Severe Storms, Straight-Line Winds, and Flooding

21 households applied for aid $8K aid approved
2011

Severe Winter Storm and Snowstorm

$53K to the Village of Machesney Park for repairs
2010

Severe Storms and Flooding

14 households applied for aid $15K aid approved
2008

Severe Storms and Flooding

349 households applied for aid $1.1M aid approved $307K to the Village of Machesney Park for repairs
2008

Record Snow and Near Record Snow

$39K to the Village of Machesney Park for repairs
2007

Severe Storms and Flooding

4 households applied for aid
2006

Snow

$54K to the Village of Machesney Park for repairs
2000

Illinois Winter Snow Storms

$34K to the Village of Machesney Park for repairs
Winnebago County has had 17 natural disasters declared since 1953, most often winter storms and floods.
Around Machesney Park

Machesney Park and the towns around it

Loves Park: Moderate, mostly inland floodingHarlem: High, mostly inland floodingOwen: High, mostly inland floodingRoscoe: Moderate, mostly inland floodingRockford: Moderate, mostly inland floodingRoscoe: Moderate, mostly inland floodingArgyle: Low, mostly inland floodingBelvidere: Moderate, mostly inland floodingRockford: Moderate, mostly inland floodingCaledonia: Low, mostly inland floodingRockton: High, mostly inland floodingRockton: High, mostly inland floodingManchester: Low, mostly inland floodingNew Milford: Moderate, mostly inland floodingCherry Valley: Very low, mostly inland floodingSouth Beloit: High, mostly inland floodingMachesney Park: High, mostly inland flooding Machesney ParkLoves ParkHarlemOwenRoscoeRockfordRoscoe
Very lowLowModerateHighVery high
Machesney Parkmostly inland floodingHigh
Harlemmostly inland floodingHigh
Owenmostly inland floodingHigh
Roscoemostly inland floodingModerate
Rockfordmostly inland floodingModerate
Loves Parkmostly inland floodingModerate
Roscoemostly 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. Machesney Park covers 5 census tracts, combined by population.
Money that reached townFlood claims are matched to Machesney Park’s own flood-insurance community; household aid to the registrant’s city; repair grants to the Village of Machesney 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 Machesney Park total about $11.9M 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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