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Natural hazards · Spring Lake

Spring Lake, IL natural hazards

Most of the natural-hazard damage FEMA expects in Spring Lake comes from inland flooding, and overall the risk is high for a U.S. community. Flood insurance has paid 30 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 Spring Lake?

70
High
vs. U.S. communities

FEMA expects yearly storm and flood damage to homes and buildings in Spring Lake to be higher than in 70% of U.S. communities, mostly from inland flooding.

Inland flooding61%Tornadoes10%Cold waves9%Drought9%Everything else11%
By hazard

What Spring Lake faces

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

Inland flooding

61% of expected damage
Well above average · higher than 84% of U.S. places
Recorded about once a year in the area

Tornadoes

10% of expected damage
Well above average · higher than 94% of U.S. places
Recorded about once every 13 years in the area

Cold waves

9% of expected damage
Above average · higher than 61% of U.S. places
Recorded about 5 times a year in the area

Drought

9% of expected damage
Recorded about 4 times a year in the area

Lower here

HurricanesHailIce stormsWinter weatherHeat wavesWildfireEarthquakesLandslidesStrong windLightning

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 Lake flood?

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

30paid claims since 1979
$198Kpaid to owners
0homes flooded more than once
19792026

Biggest named events

  • Mid-spring storms: 4 claims, $39K
of homes in flood zones
are insured
of all homes
are insured
No community discount. Spring 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: Tazewell County.
Disasters that hit Spring Lake

3 federal disasters brought FEMA money here

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

Brought FEMA money into Spring LakeDeclared for Tazewell County only
2013

Severe Storms, Straight-Line Winds, and Flooding

$11K to the Township of Spring Lake for repairs
2011

Severe Winter Storm and Snowstorm

$6K to the Township of Spring Lake for repairs
1999

Il-Winter Storm 1/1/99

$8K to the Township of Spring Lake for repairs
Tazewell County has had 13 natural disasters declared since 1953, most often floods and winter storms.
Around Spring Lake

Spring Lake and the towns around it

Timber: Moderate, mostly inland floodingBanner: Low, mostly inland floodingQuiver: Moderate, mostly inland floodingHollis: Moderate, mostly inland floodingManito: Moderate, mostly inland floodingKingston Mines: Moderate, mostly inland floodingLiverpool: Low, mostly inland floodingCincinnati: Low, mostly inland floodingOrion: Low, mostly inland floodingLogan: Low, mostly inland floodingBuckheart: Moderate, mostly inland floodingHavana: High, mostly inland floodingWaterford: Low, mostly inland floodingForest City: Moderate, mostly inland floodingPekin: Moderate, mostly inland floodingPekin: Moderate, mostly inland floodingLimestone: Low, mostly cold wavesLake Camelot: Low, mostly inland floodingMalone: Moderate, mostly inland floodingSand Prairie: Moderate, mostly inland floodingPennsylvania: Moderate, mostly inland floodingLewistown: Low, mostly inland floodingElm Grove: Low, mostly inland floodingSpring Lake: High, mostly inland flooding Spring LakeTimberBannerQuiverHollisManitoKingston MinesLiverpoolCincinnati
Very lowLowModerateHighVery high
Spring Lakemostly inland floodingHigh
Manitomostly inland floodingModerate
Quivermostly inland floodingModerate
Timbermostly inland floodingModerate
Hollismostly inland floodingModerate
Kingston Minesmostly inland floodingModerate
Bannermostly inland floodingLow
Liverpoolmostly inland floodingLow
Cincinnatimostly 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 Lake covers 1 census tract, combined by population.
Money that reached townFlood claims are matched to Spring Lake’s own flood-insurance community (here, the census tracts inside it); household aid to the registrant’s city; repair grants to the Township of Spring 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 Spring Lake total about $2.1M 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.

The door’s open

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You’re in Spring Lake, ILTazewell CountyView boundary

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Boundary source: https://tigerweb.geo.census.gov/arcgis/rest/services/TIGERweb/Places_CouSub_ConCity_SubMCD/MapServer/15 · 2025-01-01
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