Natural hazards · Third Lake

Third Lake, IL natural hazards

Most of the natural-hazard damage FEMA expects in Third Lake comes from inland flooding, and overall the risk is low for a U.S. community. 4 federal disasters brought FEMA money into town.

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

Expected damage

How exposed is Third Lake?

Low

vs. U.S. communities

FEMA expects yearly storm and flood damage to homes and buildings in Third Lake to be higher than in 29% of U.S. communities, mostly from inland flooding and tornadoes.

Inland flooding63%Tornadoes17%Cold waves13%Everything else8%

By hazard

What Third Lake faces

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

Inland flooding

63% of expected damage

Above average · higher than 52% of U.S. places

Recorded about 2 times a year in the area

Tornadoes

17% of expected damage

Above average · higher than 72% of U.S. places

Cold waves

13% of expected damage

Well below average · higher than 24% of U.S. places

Recorded about 5 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 Third Lake flood?

FEMA's records show no paid flood insurance claims in Third Lake.

of homes in flood zones
are insured

of all homes
are insured

No community discount. Third 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: Lake County.

Disasters that hit Third Lake

4 federal disasters brought FEMA money here

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

Brought FEMA money into Third LakeDeclared for Lake County only

2011

Severe Winter Storm and Snowstorm

$4K to the Village of Third Lake for repairs

2008

Record Snow and Near Record Snow

$6K to the Village of Third Lake for repairs

2000

Illinois Winter Snow Storms

$863 to the Village of Third Lake for repairs

1999

Il-Winter Storm 1/1/99

$2K to the Village of Third Lake for repairs

Lake County has had 15 natural disasters declared since 1953, most often winter storms and floods.

Around Third Lake

Third Lake and the towns around it

Very lowLowModerateHighVery high

Avonmostly inland floodingModerate

Grayslakemostly inland floodingLow

Third Lakemostly inland floodingLow

Gurneemostly inland floodingLow

Warrenmostly inland floodingVery low

Gages Lakemostly 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. Third Lake is smaller than a census tract, so it shares the figures of the tract around its center.

Money that reached townFlood claims are matched to Third Lake’s own flood-insurance community; household aid to the registrant’s city; repair grants to the Village of Third Lake. FEMA’s model follows property values, so a place that recently lost many homes can rate lower than it feels.

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.