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Natural hazards · Morton Grove

Morton Grove, IL natural hazards

Most of the natural-hazard damage FEMA expects in Morton Grove comes from inland flooding, and overall the risk is moderate for a U.S. community. Flood insurance has paid 30 claims here since 1978. 9 federal disasters brought FEMA money into town.

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

How exposed is Morton Grove?

58
Moderate
vs. U.S. communities

FEMA expects yearly storm and flood damage to homes and buildings in Morton Grove to be higher than in 58% of U.S. communities, mostly from inland flooding and cold waves.

Inland flooding50%Cold waves26%Tornadoes13%Heat waves7%Everything else4%
By hazard

What Morton Grove faces

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

Inland flooding

50% of expected damage
Well above average · higher than 79% of U.S. places
Recorded about 6 times a year in the area

Cold waves

26% of expected damage
Well below average · higher than 23% of U.S. places
Recorded about 4 times a year in the area

Tornadoes

13% of expected damage
Well above average · higher than 76% of U.S. places

Heat waves

7% of expected damage
Well above average · higher than 78% of U.S. places
Recorded about 3 times a year in the area

Lower here

HurricanesHailIce stormsWinter weatherWildfireEarthquakesLandslidesStrong 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 Morton Grove flood?

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

30paid claims since 1978
$134Kpaid to owners
3homes flooded more than once
19782026

Biggest named events

  • Mid-spring storms: 2 claims, $13K
  • Hurricane Ike: 1 claim, $5K

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. Morton Grove isn’t in FEMA’s Community Rating System, which cuts flood insurance up to 45% in towns that do extra flood-proofing.
Insurance rates: Cook County.
Disasters that hit Morton Grove

9 federal disasters brought FEMA money here

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

Brought FEMA money into Morton GroveDeclared for Cook County only
2024

Severe Storms, Tornadoes, Straight-Line Winds, and Floodng

12 households applied for aid $18K aid approved
2023

Severe Storms and Flooding

25 households applied for aid $52K aid approved
2013

Severe Storms, Straight-Line Winds, and Flooding

311 households applied for aid $723K aid approved
2011

Severe Winter Storm and Snowstorm

$88K to the Village of Morton Grove for repairs
2010

Severe Storms and Flooding

25 households applied for aid $60K aid approved
2008

Severe Storms and Flooding

280 households applied for aid $667K aid approved $28K to the Village of Morton Grove for repairs
2007

Severe Storms and Flooding

$87K to the Village of Morton Grove for repairs
2000

Illinois Winter Snow Storms

$63K to the Village of Morton Grove for repairs
1999

Il-Winter Storm 1/1/99

$63K to the Village of Morton Grove for repairs
Cook County has had 21 natural disasters declared since 1953, most often floods and severe storms.
Around Morton Grove

Morton Grove and the towns around it

Niles: Low, mostly inland floodingSkokie: Moderate, mostly inland floodingGlenview: High, mostly inland floodingChicago: Moderate, mostly inland floodingNiles: Moderate, mostly inland floodingPark Ridge: Moderate, mostly inland floodingEvanston: Low, mostly inland floodingLincolnwood: Moderate, mostly inland floodingNew Trier: Moderate, mostly inland floodingWilmette: Moderate, mostly inland floodingNorthbrook: Moderate, mostly inland floodingNorthfield: Moderate, mostly inland floodingGolf: Very high, mostly inland floodingDes Plaines: Moderate, mostly inland floodingNorthfield: Moderate, mostly inland floodingProspect Heights: Moderate, mostly inland floodingWheeling: Moderate, mostly inland floodingMorton Grove: Moderate, mostly inland flooding Morton GroveNilesSkokieGlenview
Very lowLowModerateHighVery high
Glenviewmostly inland floodingHigh
Morton Grovemostly inland floodingModerate
Skokiemostly inland floodingModerate
Nilesmostly inland floodingLow
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. Morton Grove covers 6 census tracts, combined by population.
Money that reached townFlood claims are matched to Morton Grove’s own flood-insurance community; household aid to the registrant’s city; repair grants to the Village of Morton Grove. 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 Morton Grove total about $13.9M 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.

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Boundary source: https://tigerweb.geo.census.gov/arcgis/rest/services/TIGERweb/Places_CouSub_ConCity_SubMCD/MapServer/18 · 2025-01-01
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