Natural hazards · Mill Creek

Mill Creek, IL natural hazards

Most of the natural-hazard damage FEMA expects in Mill Creek comes from inland flooding, and overall the risk is very high for a U.S. community. Flood insurance has paid 2 claims here since 1982.

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

Expected damage

How exposed is Mill Creek?

Very high

vs. U.S. communities

FEMA expects yearly storm and flood damage to homes and buildings in Mill Creek to be higher than in 90% of U.S. communities, mostly from inland flooding and earthquakes.

Inland flooding38%Earthquakes18%Cold waves10%Heat waves10%Strong wind9%Tornadoes8%Everything else6%

By hazard

What Mill Creek faces

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

Inland flooding

38% of expected damage

Well above average · higher than 95% of U.S. places

Recorded about 2 times a year in the area

Earthquakes

18% of expected damage

Well above average · higher than 87% of U.S. places

Cold waves

10% of expected damage

Well below average · higher than 20% of U.S. places

Recorded about once a year in the area

Heat waves

10% of expected damage

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

Recorded about 11 times a year in the area

Strong wind

9% of expected damage

Well above average · higher than 97% of U.S. places

Recorded about 4 times a year in the area

Tornadoes

8% of expected damage

Well above average · higher than 95% of U.S. places

Recorded about once every 7 years in the area

Lower here

HurricanesHailIce stormsWinter weatherWildfireLandslidesLightningDrought

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 Mill Creek flood?

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

2paid claims since 1982

$6Kpaid to owners

1homes flooded more than once

19822026

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

Insurance rates: Union County.

Disasters that hit Mill Creek

Federal disasters declared here

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

Brought FEMA money into Mill CreekDeclared for Union County only

Union County has had 13 natural disasters declared since 1953, most often floods and severe storms.

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