Natural hazards · McCullom Lake

McCullom Lake, IL natural hazards

Most of the natural-hazard damage FEMA expects in McCullom Lake comes from inland flooding, and overall the risk is moderate for a U.S. community. 3 federal disasters brought FEMA money into town.

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

Expected damage

How exposed is McCullom Lake?

Moderate

vs. U.S. communities

FEMA expects yearly storm and flood damage to homes and buildings in McCullom Lake to be higher than in 44% of U.S. communities, mostly from inland flooding and cold waves.

Inland flooding54%Cold waves20%Tornadoes19%Everything else7%

By hazard

What McCullom 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

Above average · higher than 67% of U.S. places

Recorded about once a year in the area

Cold waves

20% of expected damage

Below average · higher than 31% of U.S. places

Recorded about 6 times a year in the area

Tornadoes

19% of expected damage

Well above average · higher than 83% 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 McCullom Lake flood?

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

of homes in flood zones
are insured

of all homes
are insured

No community discount. McCullom 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: McHenry County.

Disasters that hit McCullom Lake

3 federal disasters brought FEMA money here

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

Brought FEMA money into McCullom LakeDeclared for McHenry County only

2011

Severe Winter Storm and Snowstorm

$5K to the Village of McCullom Lake for repairs

2008

Record Snow and Near Record Snow

$4K to the Village of McCullom Lake for repairs

2006

Snow

$1K to the Village of McCullom Lake for repairs

McHenry County has had 14 natural disasters declared since 1953, most often winter storms and floods.

Around McCullom Lake

McCullom Lake and the towns around it

Very lowLowModerateHighVery high

McHenrymostly inland floodingHigh

Johnsburgmostly inland floodingModerate

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