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Natural hazards · Phoenix

Phoenix, IL natural hazards

Most of the natural-hazard damage FEMA expects in Phoenix comes from inland flooding, and overall the risk is high for a U.S. community. Flood insurance has paid 1 claim here since 2009. 7 federal disasters brought FEMA money into town.

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

How exposed is Phoenix?

78
High
vs. U.S. communities

FEMA expects yearly storm and flood damage to homes and buildings in Phoenix to be higher than in 78% of U.S. communities, mostly from inland flooding.

Inland flooding69%Cold waves13%Tornadoes10%Everything else8%
By hazard

What Phoenix faces

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

Inland flooding

69% of expected damage
Well above average · higher than 92% of U.S. places
Recorded about 6 times a year in the area

Cold waves

13% of expected damage
Well below average · higher than 23% of U.S. places
Recorded about 4 times a year in the area

Tornadoes

10% of expected damage
Well above average · higher than 83% 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 Phoenix flood?

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

1paid claims since 2009
$2Kpaid to owners
0homes flooded more than once
20092026
of homes in flood zones
are insured
of all homes
are insured
No community discount. Phoenix 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 Phoenix

7 federal disasters brought FEMA money here

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

Brought FEMA money into PhoenixDeclared for Cook County only
2024

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

88 households applied for aid $417K aid approved
2023

Severe Storms and Flooding

283 households applied for aid $858K aid approved
2013

Severe Storms, Straight-Line Winds, and Flooding

147 households applied for aid $226K aid approved
2011

Severe Winter Storm and Snowstorm

$12K to the Village of Phoenix for repairs
2010

Severe Storms and Flooding

135 households applied for aid $192K aid approved
2008

Severe Storms and Flooding

172 households applied for aid $233K aid approved
2000

Illinois Winter Snow Storms

$2K to the Village of Phoenix for repairs
Cook County has had 21 natural disasters declared since 1953, most often floods and severe storms.
Around Phoenix

Phoenix and the towns around it

Harvey: Very high, mostly inland floodingSouth Holland: Very high, mostly inland floodingMarkham: High, mostly inland floodingDixmoor: Very high, mostly inland floodingDolton: Very high, mostly inland floodingEast Hazel Crest: Moderate, mostly inland floodingPosen: Very high, mostly inland floodingHazel Crest: High, mostly inland floodingThornton: Low, mostly inland floodingCalumet City: High, mostly inland floodingLansing: High, mostly inland floodingPhoenix: High, mostly inland flooding PhoenixHarveySouth Holland
Very lowLowModerateHighVery high
South Hollandmostly inland floodingVery high
Harveymostly inland floodingVery high
Phoenixmostly inland floodingHigh
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. Phoenix covers 1 census tract, combined by population.
Money that reached townFlood claims are matched to Phoenix’s own flood-insurance community; household aid to the registrant’s city; repair grants to the Village of Phoenix. 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 Phoenix total about $3.9M 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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