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Natural hazards · Minooka

Minooka, IL natural hazards

Most of the natural-hazard damage FEMA expects in Minooka comes from cold waves, and overall the risk is moderate for a U.S. community. Flood insurance has paid 7 claims here since 1996. 5 federal disasters brought FEMA money into town.

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

How exposed is Minooka?

45
Moderate
vs. U.S. communities

FEMA expects yearly storm and flood damage to homes and buildings in Minooka to be higher than in 45% of U.S. communities, mostly from cold waves and inland flooding.

Cold waves47%Inland flooding35%Tornadoes11%Everything else8%
By hazard

What Minooka faces

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

Cold waves

47% of expected damage
Well below average · higher than 18% of U.S. places
Recorded about 5 times a year in the area

Inland flooding

35% of expected damage
Above average · higher than 63% of U.S. places
Recorded about once a year in the area

Tornadoes

11% of expected damage
Well above average · higher than 84% of U.S. places
Recorded about once every 76 years 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 Minooka flood?

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

7paid claims since 1996
$245Kpaid to owners
0homes flooded more than once
19962026

Biggest named events

  • Mid-spring storms: 3 claims, $157K
of homes in flood zones
are insured
of all homes
are insured
No community discount. Minooka isn’t in FEMA’s Community Rating System, which cuts flood insurance up to 45% in towns that do extra flood-proofing.
Insurance rates: Grundy County.

What’s been done with FEMA grants

25flood-prone properties bought out and cleared
Disasters that hit Minooka

5 federal disasters brought FEMA money here

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

Brought FEMA money into MinookaDeclared for Grundy County only
2013

Severe Storms, Straight-Line Winds, and Flooding

149 households applied for aid $1.5M aid approved $21K to the Village of Minooka for repairs
2008

Severe Storms and Flooding

13 households applied for aid $33K aid approved
2007

Severe Storms and Flooding

10 households applied for aid $13K aid approved
2000

Illinois Winter Snow Storms

$7K to the Village of Minooka for repairs
1999

Il-Winter Storm 1/1/99

$6K to the Village of Minooka for repairs
Grundy County has had 13 natural disasters declared since 1953, most often floods and winter storms.
Around Minooka

Minooka and the towns around it

Channahon: Low, mostly cold wavesAux Sable: Moderate, mostly cold wavesSeward: Moderate, mostly inland floodingJoliet: Moderate, mostly inland floodingGoose Lake: High, mostly inland floodingSaratoga: Moderate, mostly cold wavesChannahon: Moderate, mostly inland floodingNa-Au-Say: Low, mostly inland floodingTroy: Moderate, mostly inland floodingLisbon: Moderate, mostly inland floodingPlattville: Moderate, mostly inland floodingMinooka: Moderate, mostly cold waves MinookaChannahonAux SableSeward
Very lowLowModerateHighVery high
Sewardmostly inland floodingModerate
Minookamostly cold wavesModerate
Aux Sablemostly cold wavesModerate
Channahonmostly cold wavesLow
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. Minooka 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 Minooka’s own flood-insurance community; household aid to the registrant’s city; repair grants to the Village of Minooka. 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.

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