Natural hazards · Round Lake

Round Lake, IL natural hazards

Most of the natural-hazard damage FEMA expects in Round Lake comes from inland flooding, and overall the risk is moderate for a U.S. community. Flood insurance has paid 9 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 Round Lake?

Moderate

vs. U.S. communities

FEMA expects yearly storm and flood damage to homes and buildings in Round Lake to be higher than in 45% of U.S. communities, mostly from inland flooding and cold waves.

Inland flooding58%Cold waves17%Tornadoes17%Everything else8%

By hazard

What Round Lake faces

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

Inland flooding

58% of expected damage

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

Recorded about 2 times a year in the area

Cold waves

17% of expected damage

Well below average · higher than 24% of U.S. places

Recorded about 5 times a year in the area

Tornadoes

17% of expected damage

Above average · higher than 72% 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 Round Lake flood?

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

9paid claims since 1979

$17Kpaid to owners

1homes flooded more than once

19792026

Biggest named events

Midwest Flooding: 2 claims, $5K

Homes that flooded again and again

■ FEMA “severe repetitive loss” (0) ■ flooded 2+ times

of homes in flood zones
are insured

of all homes
are insured

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

Insurance rates: Lake County.

Disasters that hit Round Lake

6 federal disasters brought FEMA money here

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

Brought FEMA money into Round LakeDeclared for Lake County only

2013

Severe Storms, Straight-Line Winds, and Flooding

17 households applied for aid $20K aid approved

2011

Severe Winter Storm and Snowstorm

$44K to the Village of Round Lake for repairs

2008

Record Snow and Near Record Snow

$25K to the Village of Round Lake for repairs

2007

Severe Storms and Flooding

3 households applied for aid $15K aid approved

2000

Illinois Winter Snow Storms

$4K to the Village of Round Lake for repairs

1999

Il-Winter Storm 1/1/99

$11K to the Village of Round Lake for repairs

Lake County has had 15 natural disasters declared since 1953, most often winter storms and floods.

Around Round Lake

Round Lake and the towns around it

Very lowLowModerateHighVery high

Grantmostly inland floodingHigh

Round Lake Beachmostly inland floodingHigh

Long Lakemostly inland floodingModerate

Round Lake Parkmostly inland floodingModerate

Round Lakemostly inland floodingModerate

Volomostly inland floodingModerate

Waucondamostly 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. Round Lake covers 2 census tracts, combined by population.

Money that reached townFlood claims are matched to Round Lake’s own flood-insurance community; household aid to the registrant’s city; repair grants to the Village of Round Lake. 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 Round Lake 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.