Natural hazards · Royal Lakes

Royal Lakes, IL natural hazards

Most of the natural-hazard damage FEMA expects in Royal Lakes comes from inland flooding, and overall the risk is moderate for a U.S. community. 1 federal disaster brought FEMA money into town.

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

Expected damage

How exposed is Royal Lakes?

Moderate

vs. U.S. communities

FEMA expects yearly storm and flood damage to homes and buildings in Royal Lakes to be higher than in 49% of U.S. communities, mostly from inland flooding and earthquakes.

Inland flooding30%Earthquakes28%Cold waves13%Tornadoes9%Heat waves8%Strong wind5%Everything else8%

By hazard

What Royal Lakes faces

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

Inland flooding

30% of expected damage

Below average · higher than 35% of U.S. places

Recorded about once a year in the area

Earthquakes

28% of expected damage

Well above average · higher than 83% of U.S. places

Cold waves

13% of expected damage

Well below average · higher than 18% of U.S. places

Recorded about 2 times a year in the area

Tornadoes

9% of expected damage

Well above average · higher than 85% of U.S. places

Recorded about once every 15 years in the area

Heat waves

8% of expected damage

Above average · higher than 74% of U.S. places

Recorded about 9 times a year in the area

Strong wind

5% of expected damage

Well above average · higher than 91% of U.S. places

Recorded about 6 times a year in the area

Lower here

HurricanesHailIce stormsWinter weatherWildfireLandslidesLightningDrought

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 Royal Lakes flood?

FEMA's records show no paid flood insurance claims in Royal Lakes.

of all homes
are insured

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

Insurance rates: Macoupin County.

Disasters that hit Royal Lakes

1 federal disaster brought FEMA money here

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

Brought FEMA money into Royal LakesDeclared for Macoupin County only

2006

Severe Winter Storm

$8K to the Village of Royal Lakes for repairs

Macoupin County has had 7 natural disasters declared since 1953, most often severe storms and tornadoes.

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. Royal Lakes 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 Royal Lakes’s own flood-insurance community; household aid to the registrant’s city; repair grants to the Village of Royal Lakes. 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.