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Natural hazards · Mount Prospect

Mount Prospect, IL natural hazards

Most of the natural-hazard damage FEMA expects in Mount Prospect comes from inland flooding, and overall the risk is moderate for a U.S. community. Flood insurance has paid 115 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 Mount Prospect?

59
Moderate
vs. U.S. communities

FEMA expects yearly storm and flood damage to homes and buildings in Mount Prospect to be higher than in 59% of U.S. communities, mostly from inland flooding and cold waves.

Inland flooding49%Cold waves27%Tornadoes13%Heat waves7%Everything else3%
By hazard

What Mount Prospect faces

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

Inland flooding

49% of expected damage
Well above average · higher than 80% of U.S. places
Recorded about 6 times a year in the area

Cold waves

27% of expected damage
Well below average · higher than 22% 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 77% 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 Mount Prospect flood?

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

115paid claims since 1978
$998Kpaid to owners
9homes flooded more than once
19782026

Biggest named events

  • Hurricane Ike: 16 claims, $188K
  • Mid-spring storms: 11 claims, $165K

Homes that flooded again and again

■ FEMA “severe repetitive loss” (3) ■ flooded 2+ times

of homes in flood zones
are insured
of all homes
are insured
🏷️ 20% off flood insurance. Mount Prospect is in FEMA’s Community Rating System (class 6) for its flood-proofing work.
Insurance rates: Cook County.

What’s been done with FEMA grants

3flood-prone properties bought out and cleared
Disasters that hit Mount Prospect

9 federal disasters brought FEMA money here

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

Brought FEMA money into Mount ProspectDeclared for Cook County only
2024

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

11 households applied for aid $3K aid approved
2023

Severe Storms and Flooding

29 households applied for aid $31K aid approved
2013

Severe Storms, Straight-Line Winds, and Flooding

98 households applied for aid $203K aid approved
2011

Severe Winter Storm and Snowstorm

$143K to the Village of Mount Prospect for repairs
2010

Severe Storms and Flooding

10 households applied for aid $14K aid approved
2008

Severe Storms and Flooding

128 households applied for aid $226K aid approved $144K to the Village of Mount Prospect for repairs
2007

Severe Storms and Flooding

$679K to the Village of Mount Prospect for repairs
2000

Illinois Winter Snow Storms

$53K to the Village of Mount Prospect for repairs
1999

Il-Winter Storm 1/1/99

$82K to the Village of Mount Prospect for repairs
Cook County has had 21 natural disasters declared since 1953, most often floods and severe storms.
Around Mount Prospect

Mount Prospect and the towns around it

Arlington Heights: Moderate, mostly inland floodingDes Plaines: Moderate, mostly inland floodingProspect Heights: Moderate, mostly inland floodingRolling Meadows: Moderate, mostly inland floodingBuffalo Grove: Moderate, mostly inland floodingPalatine: Low, mostly inland floodingWheeling: High, mostly inland floodingWheeling: Moderate, mostly inland floodingPalatine: Low, mostly inland floodingMaine: Moderate, mostly inland floodingChicago: Moderate, mostly inland floodingRosemont: Low, mostly inland floodingElk Grove: Moderate, mostly inland floodingPark Ridge: Moderate, mostly inland floodingGlenview: High, mostly inland floodingNorthfield: Moderate, mostly inland floodingLeyden: Moderate, mostly inland floodingElk Grove Village: Very low, mostly inland floodingMount Prospect: Moderate, mostly inland flooding Mount ProspectArlington HeightsDes PlainesProspect Heights
Very lowLowModerateHighVery high
Mount Prospectmostly inland floodingModerate
Des Plainesmostly inland floodingModerate
Prospect Heightsmostly inland floodingModerate
Arlington Heightsmostly inland floodingModerate
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. Mount Prospect covers 8 census tracts, combined by population.
Money that reached townFlood claims are matched to Mount Prospect’s own flood-insurance community; household aid to the registrant’s city; repair grants to the Village of Mount Prospect. 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 Mount Prospect total about $24.4M 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.

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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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