Natural hazards · Spring Grove

Spring Grove, IL natural hazards

Most of the natural-hazard damage FEMA expects in Spring Grove comes from inland flooding, and overall the risk is low for a U.S. community. Flood insurance has paid 28 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 Spring Grove?

Low

vs. U.S. communities

FEMA expects yearly storm and flood damage to homes and buildings in Spring Grove to be higher than in 22% of U.S. communities, mostly from inland flooding and tornadoes.

Inland flooding49%Tornadoes22%Cold waves22%Everything else7%

By hazard

What Spring Grove faces

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

Inland flooding

49% of expected damage

Below average · higher than 40% of U.S. places

Recorded about once a year in the area

Tornadoes

22% of expected damage

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

Cold waves

22% of expected damage

Below average · higher than 31% of U.S. places

Recorded about 6 times a year 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 Spring Grove flood?

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

28paid claims since 1979

$270Kpaid to owners

4homes flooded more than once

19792026

Biggest named events

Midwest Flooding: 3 claims, $22K
Mid-spring storms: 3 claims, $94K

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

Insurance rates: McHenry County.

What’s been done with FEMA grants

13flood-prone properties bought out and cleared

1homes raised above flood level

Disasters that hit Spring Grove

6 federal disasters brought FEMA money here

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

Brought FEMA money into Spring GroveDeclared for McHenry County only

2013

Severe Storms, Straight-Line Winds, and Flooding

25 households applied for aid $24K aid approved

2011

Severe Winter Storm and Snowstorm

$38K to the Village of Spring Grove for repairs

2008

Record Snow and Near Record Snow

$16K to the Village of Spring Grove for repairs

2006

Snow

$13K to the Village of Spring Grove for repairs

2000

Illinois Winter Snow Storms

$7K to the Village of Spring Grove for repairs

1999

Il-Winter Storm 1/1/99

$7K to the Village of Spring Grove for repairs

McHenry County has had 14 natural disasters declared since 1953, most often winter storms and floods.

Around Spring Grove

Spring Grove and the towns around it

Very lowLowModerateHighVery high

Pistakee Highlandsmostly inland floodingVery high

Fox Lakemostly inland floodingVery high

Spring Grovemostly 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. Spring Grove covers 1 census tract, combined by population.

Money that reached townFlood claims are matched to Spring Grove’s own flood-insurance community; household aid to the registrant’s city; repair grants to the Village of Spring Grove. 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 Spring Grove total about $1.1M 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.