Natural hazards · Naperville

Naperville, IL natural hazards

Most of the natural-hazard damage FEMA expects in Naperville comes from inland flooding, and overall the risk is moderate for a U.S. community. Flood insurance has paid 116 claims here since 1979. 6 federal disasters brought FEMA money into town.

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

Expected damage

How exposed is Naperville?

Moderate

vs. U.S. communities

FEMA expects yearly storm and flood damage to homes and buildings in Naperville to be higher than in 47% of U.S. communities, mostly from inland flooding and cold waves.

Inland flooding61%Cold waves17%Tornadoes16%Everything else6%

By hazard

What Naperville faces

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

Inland flooding

61% of expected damage

Above average · higher than 71% of U.S. places

Recorded about 3 times a year in the area

Cold waves

17% of expected damage

Well below average · higher than 21% of U.S. places

Recorded about 4 times a year in the area

Tornadoes

16% of expected damage

Well above average · higher than 78% of U.S. places

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 Naperville flood?

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

116paid claims since 1979

$1.1Mpaid to owners

4homes flooded more than once

19792026

Biggest named events

Mid-spring storms: 16 claims, $422K
Hurricane Ike: 7 claims, $93K

Homes that flooded again and again

■ FEMA “severe repetitive loss” (1) ■ flooded 2+ times

of homes in flood zones
are insured

of all homes
are insured

No community discount. Naperville isn’t in FEMA’s Community Rating System, which cuts flood insurance up to 45% in towns that do extra flood-proofing.

Insurance rates: DuPage County.

Disasters that hit Naperville

6 federal disasters brought FEMA money here

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

Brought FEMA money into NapervilleDeclared for DuPage County only

2013

Severe Storms, Straight-Line Winds, and Flooding

919 households applied for aid $1.8M aid approved $374K to the City of Naperville for repairs

2011

Severe Winter Storm and Snowstorm

$390K to the City of Naperville for repairs

2010

Severe Storms and Flooding

34 households applied for aid $21K aid approved

2008

Severe Storms and Flooding

37 households applied for aid $12K aid approved $57K to the City of Naperville for repairs

2000

Illinois Winter Snow Storms

$189K to the City of Naperville for repairs

1999

Il-Winter Storm 1/1/99

$263K to the City of Naperville for repairs

DuPage County has had 14 natural disasters declared since 1953, most often floods and winter storms.

Around Naperville

Naperville and the towns around it

Very lowLowModerateHighVery high

Warrenvillemostly inland floodingHigh

Winfieldmostly inland floodingModerate

Napervillemostly inland floodingModerate

Plainfieldmostly inland floodingModerate

Miltonmostly inland floodingModerate

Lislemostly inland floodingLow

Auroramostly inland floodingLow

Napervillemostly inland floodingLow

Bolingbrookmostly 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. Naperville covers 26 census tracts, combined by population.

Money that reached townFlood claims are matched to Naperville’s own flood-insurance community; household aid to the registrant’s city; repair grants to the City of Naperville. 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 Naperville total about $62.3M 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.