Natural hazards · Plano

Plano, IL natural hazards

Most of the natural-hazard damage FEMA expects in Plano comes from inland flooding, and overall the risk is moderate for a U.S. community. Flood insurance has paid 11 claims here since 1980. 5 federal disasters brought FEMA money into town.

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

Expected damage

How exposed is Plano?

Moderate

vs. U.S. communities

FEMA expects yearly storm and flood damage to homes and buildings in Plano to be higher than in 52% of U.S. communities, mostly from inland flooding and cold waves.

Inland flooding39%Cold waves35%Tornadoes16%Everything else9%

By hazard

What Plano faces

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

Inland flooding

39% of expected damage

Above average · higher than 70% of U.S. places

Recorded about once a year in the area

Cold waves

35% of expected damage

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

Recorded about 5 times a year in the area

Tornadoes

16% of expected damage

Well above average · higher than 89% of U.S. places

Recorded about once every 74 years in the area

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 Plano flood?

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

11paid claims since 1980

$197Kpaid to owners

2homes flooded more than once

19802026

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. Plano isn’t in FEMA’s Community Rating System, which cuts flood insurance up to 45% in towns that do extra flood-proofing.

Insurance rates: Kendall County.

What’s been done with FEMA grants

7flood-prone properties bought out and cleared

Disasters that hit Plano

5 federal disasters brought FEMA money here

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

Brought FEMA money into PlanoDeclared for Kendall County only

2013

Severe Storms, Straight-Line Winds, and Flooding

35 households applied for aid $51K aid approved

2008

Severe Storms and Flooding

$27K to the City of Plano for repairs

2006

Snow

$10K to the City of Plano for repairs

2000

Illinois Winter Snow Storms

$4K to the City of Plano for repairs

1999

Il-Winter Storm 1/1/99

$5K to the City of Plano for repairs

Kendall County has had 11 natural disasters declared since 1953, most often winter storms and floods.

Around Plano

Plano and the towns around it

Very lowLowModerateHighVery high

Yorkvillemostly inland floodingHigh

Planomostly inland floodingModerate

Sandwichmostly 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. Plano is smaller than a census tract, so it shares the figures of the tract around its center.

Money that reached townFlood claims are matched to Plano’s own flood-insurance community; household aid to the registrant’s city; repair grants to the City of Plano. FEMA’s model follows property values, so a place that recently lost many homes can rate lower than it feels.

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.