Natural hazards · Schaumburg

Schaumburg, IL natural hazards

Most of the natural-hazard damage FEMA expects in Schaumburg comes from inland flooding, and overall the risk is low for a U.S. community. Flood insurance has paid 63 claims here since 1979. 3 federal disasters brought FEMA money into town.

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

Expected damage

How exposed is Schaumburg?

Low

vs. U.S. communities

FEMA expects yearly storm and flood damage to homes and buildings in Schaumburg to be higher than in 24% of U.S. communities, mostly from inland flooding and cold waves.

Inland flooding35%Cold waves35%Tornadoes17%Heat waves10%Everything else4%

By hazard

What Schaumburg faces

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

Inland flooding

35% of expected damage

Below average · higher than 43% of U.S. places

Recorded about 6 times a year in the area

Cold waves

35% of expected damage

Well below average · higher than 22% of U.S. places

Recorded about 4 times a year in the area

Tornadoes

17% of expected damage

Well above average · higher than 76% of U.S. places

Heat waves

10% of expected damage

Well above average · higher than 77% of U.S. places

Recorded about 3 times a year in the area

Lower here

HurricanesHailIce stormsWinter weatherWildfireEarthquakesLandslidesStrong 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 Schaumburg flood?

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

63paid claims since 1979

$828Kpaid to owners

0homes flooded more than once

19792026

Biggest named events

Hurricane Ike: 9 claims, $182K
Mid-spring storms: 1 claim, $8K

of homes in flood zones
are insured

of all homes
are insured

No community discount. Schaumburg 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 Schaumburg

3 federal disasters brought FEMA money here

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

Brought FEMA money into SchaumburgDeclared for Cook County only

2011

Severe Winter Storm and Snowstorm

$13K to the Township of Schaumburg for repairs

2008

Severe Storms and Flooding

$5K to the Township of Schaumburg for repairs

1999

Il-Winter Storm 1/1/99

$2K to the Township of Schaumburg for repairs

Cook County has had 21 natural disasters declared since 1953, most often floods and severe storms.

Around Schaumburg

Schaumburg and the towns around it

Very lowLowModerateHighVery high

Elk Grovemostly inland floodingModerate

Palatinemostly inland floodingLow

Schaumburgmostly inland floodingLow

Hanovermostly cold wavesLow

Hanover Parkmostly cold wavesLow

Bloomingdalemostly inland floodingVery low

Elk Grove Villagemostly inland floodingVery low

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. Schaumburg covers 25 census tracts, combined by population.

Money that reached townFlood claims are matched to Schaumburg’s own flood-insurance community (here, the census tracts inside it); household aid to the registrant’s city; repair grants to the Township of Schaumburg. 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 Schaumburg total about $49.1M 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.