Natural hazards · Moraine

Moraine, IL natural hazards

Most of the natural-hazard damage FEMA expects in Moraine comes from inland flooding, and overall the risk is low for a U.S. community. Flood insurance has paid 59 claims here since 1978.

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

Expected damage

How exposed is Moraine?

Low

vs. U.S. communities

FEMA expects yearly storm and flood damage to homes and buildings in Moraine to be higher than in 24% of U.S. communities, mostly from inland flooding and tornadoes.

Inland flooding58%Tornadoes18%Cold waves16%Everything else8%

By hazard

What Moraine faces

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

Inland flooding

58% of expected damage

Below average · higher than 45% of U.S. places

Recorded about 2 times a year in the area

Tornadoes

18% of expected damage

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

Cold waves

16% of expected damage

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

Recorded about 5 times a year in the area

Lower here

Coastal floodingHurricanesHailIce stormsWinter weatherHeat wavesWildfireEarthquakesLandslidesStrong windLightningDrought

Not a risk here

AvalanchesTsunamisVolcanic 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 Moraine flood?

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

59paid claims since 1978

$339Kpaid to owners

0homes flooded more than once

19782026

Biggest named events

Hurricane Ike: 5 claims, $18K
Mid-spring storms: 3 claims, $9K

of homes in flood zones
are insured

of all homes
are insured

No community discount. Moraine 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 Moraine

Federal disasters declared here

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

Brought FEMA money into MoraineDeclared for Lake County only

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

Around Moraine

Moraine and the towns around it

Very lowLowModerateHighVery high

West Deerfieldmostly inland floodingHigh

Northbrookmostly inland floodingModerate

Northfieldmostly inland floodingModerate

New Triermostly inland floodingModerate

Highland Parkmostly inland floodingLow

Lake Forestmostly inland floodingLow

Morainemostly inland floodingLow

Glencoemostly inland floodingVery low

Shieldsmostly 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. Moraine covers 9 census tracts, combined by population.

Money that reached townFlood claims are matched to Moraine’s own flood-insurance community (here, the census tracts inside it); household aid to the registrant’s city; repair grants to the Township of Moraine. 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 Moraine total about $12.5M 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.