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Natural hazards · Sandwich

Sandwich, IL natural hazards

Most of the natural-hazard damage FEMA expects in Sandwich comes from inland flooding, and overall the risk is low for a U.S. community. Flood insurance has paid 3 claims here since 1979. 5 federal disasters brought FEMA money into town.

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

How exposed is Sandwich?

34
Low
vs. U.S. communities

FEMA expects yearly storm and flood damage to homes and buildings in Sandwich to be higher than in 34% of U.S. communities, mostly from inland flooding and cold waves.

Inland flooding47%Cold waves27%Tornadoes17%Everything else9%
By hazard

What Sandwich faces

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

Inland flooding

47% of expected damage
Above average · higher than 54% of U.S. places
Recorded about once a year in the area

Cold waves

27% of expected damage
Well below average · higher than 22% of U.S. places
Recorded about 6 times a year in the area

Tornadoes

17% of expected damage
Well above average · higher than 81% 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 Sandwich flood?

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

3paid claims since 1979
$27Kpaid to owners
0homes flooded more than once
19792026
of homes in flood zones
are insured
of all homes
are insured
No community discount. Sandwich isn’t in FEMA’s Community Rating System, which cuts flood insurance up to 45% in towns that do extra flood-proofing.
Insurance rates: DeKalb County.
Disasters that hit Sandwich

5 federal disasters brought FEMA money here

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

Brought FEMA money into SandwichDeclared for DeKalb County only
2013

Severe Storms, Straight-Line Winds, and Flooding

23 households applied for aid $42K aid approved
2011

Severe Winter Storm and Snowstorm

$17K to the City of Sandwich for repairs
2008

Severe Storms and Flooding

1 household applied for aid
2007

Severe Storms and Flooding

7 households applied for aid $3K aid approved
2006

Snow

$12K to the City of Sandwich for repairs
DeKalb County has had 10 natural disasters declared since 1953, most often floods and winter storms.
Around Sandwich

Sandwich and the towns around it

Little Rock: Moderate, mostly inland floodingFox: Low, mostly inland floodingSomonauk: Low, mostly inland floodingPlano: Moderate, mostly inland floodingSandwich: Low, mostly inland floodingBristol: High, mostly inland floodingBig Rock: Low, mostly inland floodingKendall: Low, mostly inland floodingNorthville: Low, mostly inland floodingMission: Moderate, mostly inland floodingMillington: Moderate, mostly inland floodingBig Grove: Moderate, mostly inland floodingYorkville: High, mostly inland floodingLake Holiday: Low, mostly inland floodingSandwich: Low, mostly inland flooding SandwichLittle RockFoxSomonaukPlano
Very lowLowModerateHighVery high
Planomostly inland floodingModerate
Little Rockmostly inland floodingModerate
Sandwichmostly inland floodingLow
Foxmostly inland floodingLow
Somonaukmostly 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. Sandwich covers 1 census tract, combined by population.
Money that reached townFlood claims are matched to Sandwich’s own flood-insurance community; household aid to the registrant’s city; repair grants to the City of Sandwich. 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 Sandwich total about $2.0M 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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