Natural hazards · McCook

McCook, IL natural hazards

Most of the natural-hazard damage FEMA expects in McCook comes from inland flooding, and overall the risk is low for a U.S. community. Flood insurance has paid 2 claims here since 2013. 5 federal disasters brought FEMA money into town.

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

Expected damage

How exposed is McCook?

Low

vs. U.S. communities

FEMA expects yearly storm and flood damage to homes and buildings in McCook to be higher than in 20% of U.S. communities, mostly from inland flooding and tornadoes.

Inland flooding64%Tornadoes15%Cold waves12%Everything else9%

By hazard

What McCook faces

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

Inland flooding

64% of expected damage

Below average · higher than 37% of U.S. places

Recorded about 6 times a year in the area

Tornadoes

15% of expected damage

Well above average · higher than 76% of U.S. places

Cold waves

12% of expected damage

Well below average · higher than 22% of U.S. places

Recorded about 4 times a year in the area

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 McCook flood?

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

2paid claims since 2013

$145Kpaid to owners

1homes flooded more than once

20132026

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. McCook isn’t in FEMA’s Community Rating System, which cuts flood insurance up to 45% in towns that do extra flood-proofing.

Insurance rates: Cook County.

Disasters that hit McCook

5 federal disasters brought FEMA money here

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

Brought FEMA money into McCookDeclared for Cook County only

2024

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

1 household applied for aid $4K aid approved

2023

Severe Storms and Flooding

2 households applied for aid

2011

Severe Winter Storm and Snowstorm

$9K to the Village of McCook for repairs

2000

Illinois Winter Snow Storms

$6K to the Village of McCook for repairs

1999

Il-Winter Storm 1/1/99

$7K to the Village of McCook for repairs

Cook County has had 21 natural disasters declared since 1953, most often floods and severe storms.

Around McCook

McCook and the towns around it

Very lowLowModerateHighVery high

Lyonsmostly inland floodingVery high

Summitmostly inland floodingHigh

McCookmostly inland floodingLow

Hodgkinsmostly 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. McCook 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 McCook’s own flood-insurance community; household aid to the registrant’s city; repair grants to the Village of McCook. 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.