Natural hazards · Mettawa

Mettawa, IL natural hazards

Most of the natural-hazard damage FEMA expects in Mettawa comes from inland flooding, and overall the risk is moderate for a U.S. community. Flood insurance has paid 1 claim here since 1986.

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

Expected damage

How exposed is Mettawa?

Moderate

vs. U.S. communities

FEMA expects yearly storm and flood damage to homes and buildings in Mettawa to be higher than in 56% of U.S. communities, mostly from inland flooding.

Inland flooding74%Tornadoes12%Cold waves8%Everything else6%

By hazard

What Mettawa faces

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

Inland flooding

74% of expected damage

Well above average · higher than 78% of U.S. places

Recorded about 2 times a year in the area

Tornadoes

12% of expected damage

Above average · higher than 72% of U.S. places

Cold waves

8% of expected damage

Well below average · higher than 24% of U.S. places

Recorded about 5 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 Mettawa flood?

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

1paid claims since 1986

$9Kpaid to owners

0homes flooded more than once

19862026

of homes in flood zones
are insured

of all homes
are insured

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

Insurance rates: Lake County.

Disasters that hit Mettawa

Federal disasters declared here

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

Brought FEMA money into MettawaDeclared for Lake County only

Lake County has had 15 natural disasters declared since 1953, most often winter storms and floods.

Around Mettawa

Mettawa and the towns around it

Very lowLowModerateHighVery high

Mettawamostly inland floodingModerate

Lake Forestmostly inland floodingLow

Vernon Hillsmostly inland floodingVery low

Libertyvillemostly inland floodingVery low

Green Oaksmostly inland floodingVery low

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. Mettawa covers 2 census tracts, combined by population.

Money that reached townFlood claims are matched to Mettawa’s own flood-insurance community; household aid to the registrant’s city; repair grants to the Village of Mettawa. 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 Mettawa total about $8.4M 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.