Natural hazards · Oakbrook Terrace

Oakbrook Terrace, IL natural hazards

Most of the natural-hazard damage FEMA expects in Oakbrook Terrace comes from inland flooding, and overall the risk is low for a U.S. community. Flood insurance has paid 12 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 Oakbrook Terrace?

Low

vs. U.S. communities

FEMA expects yearly storm and flood damage to homes and buildings in Oakbrook Terrace to be higher than in 27% of U.S. communities, mostly from inland flooding and cold waves.

Inland flooding54%Cold waves19%Tornadoes18%Everything else9%

By hazard

What Oakbrook Terrace faces

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

Inland flooding

54% of expected damage

Below average · higher than 48% of U.S. places

Recorded about 3 times a year in the area

Cold waves

19% of expected damage

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

Recorded about 5 times a year in the area

Tornadoes

18% of expected damage

Well above average · higher than 75% of U.S. places

Lower here

HurricanesHailIce stormsWinter weatherHeat wavesEarthquakesLandslidesStrong windLightning

Not a risk here

Coastal floodingWildfireDroughtAvalanchesTsunamisVolcanic 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 Oakbrook Terrace flood?

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

12paid claims since 1979

$105Kpaid to owners

0homes flooded more than once

19792026

Biggest named events

Mid-spring storms: 1 claim, $11K

of homes in flood zones
are insured

of all homes
are insured

No community discount. Oakbrook Terrace 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 Oakbrook Terrace

6 federal disasters brought FEMA money here

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

Brought FEMA money into Oakbrook TerraceDeclared for DuPage County only

2013

Severe Storms, Straight-Line Winds, and Flooding

9 households applied for aid $16K aid approved

2011

Severe Winter Storm and Snowstorm

$10K to the City of Oakbrook Terrace for repairs

2010

Severe Storms and Flooding

19 households applied for aid $59K aid approved

2008

Severe Storms and Flooding

1 household applied for aid

2000

Illinois Winter Snow Storms

$8K to the City of Oakbrook Terrace for repairs

1999

Il-Winter Storm 1/1/99

$8K to the City of Oakbrook Terrace for repairs

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

Around Oakbrook Terrace

Oakbrook Terrace and the towns around it

Very lowLowModerateHighVery high

Elmhurstmostly inland floodingHigh

Lombardmostly inland floodingLow

Oak Brookmostly inland floodingLow

Villa Parkmostly inland floodingLow

Oakbrook Terracemostly 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. Oakbrook Terrace covers 1 census tract, combined by population.

Money that reached townFlood claims are matched to Oakbrook Terrace’s own flood-insurance community; household aid to the registrant’s city; repair grants to the City of Oakbrook Terrace. 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 Oakbrook Terrace total about $1.3M 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.