Natural hazards · Steger

Steger, IL natural hazards

Most of the natural-hazard damage FEMA expects in Steger comes from inland flooding, and overall the risk is low for a U.S. community. Flood insurance has paid 13 claims here since 1981. 8 federal disasters brought FEMA money into town.

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

Expected damage

How exposed is Steger?

Low

vs. U.S. communities

FEMA expects yearly storm and flood damage to homes and buildings in Steger to be higher than in 28% of U.S. communities, mostly from inland flooding and cold waves.

Inland flooding38%Cold waves31%Tornadoes21%Heat waves7%Everything else4%

By hazard

What Steger faces

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

Inland flooding

38% of expected damage

Below average · higher than 46% of U.S. places

Recorded about 4 times a year in the area

Cold waves

31% of expected damage

Well below average · higher than 21% of U.S. places

Recorded about 4 times a year in the area

Tornadoes

21% of expected damage

Well above average · higher than 84% of U.S. places

Heat waves

7% of expected damage

Well above average · higher than 90% 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 Steger flood?

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

13paid claims since 1981

$269Kpaid to owners

1homes flooded more than once

19812026

Biggest named events

Hurricane Ike: 2 claims, $7K

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

Insurance rates: Will County.

Disasters that hit Steger

8 federal disasters brought FEMA money here

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

Brought FEMA money into StegerDeclared for Will County only

2024

Severe Storms, Tornadoes, Straight-Line Winds, and Floodng

129 households applied for aid $317K aid approved

2013

Severe Storms, Straight-Line Winds, and Tornadoes

1 household applied for aid

2013

Severe Storms, Straight-Line Winds, and Flooding

67 households applied for aid $124K aid approved

2011

Severe Winter Storm and Snowstorm

$22K to the Village of Steger for repairs

2008

Severe Storms and Flooding

48 households applied for aid $60K aid approved $3K to the Village of Steger for repairs

2007

Severe Storms and Flooding

4 households applied for aid $20K aid approved $18K to the Village of Steger for repairs

2000

Illinois Winter Snow Storms

$14K to the Village of Steger for repairs

1999

Il-Winter Storm 1/1/99

$14K to the Village of Steger for repairs

Will County has had 17 natural disasters declared since 1953, most often severe storms and floods.

Around Steger

Steger and the towns around it

Very lowLowModerateHighVery high

Sauk Villagemostly inland floodingHigh

Bloommostly inland floodingHigh

Cretemostly inland floodingModerate

Cretemostly inland floodingLow

Chicago Heightsmostly inland floodingLow

Stegermostly inland floodingLow

South Chicago Heightsmostly cold wavesVery 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. Steger covers 2 census tracts, combined by population.

Money that reached townFlood claims are matched to Steger’s own flood-insurance community; household aid to the registrant’s city; repair grants to the Village of Steger. 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 Steger total about $2.5M 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.