Natural hazards · Willow Creek

Willow Creek, IL natural hazards

Most of the natural-hazard damage FEMA expects in Willow Creek comes from inland flooding, and overall the risk is low for a U.S. community.

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

Expected damage

How exposed is Willow Creek?

Low

vs. U.S. communities

FEMA expects yearly storm and flood damage to homes and buildings in Willow Creek to be higher than in 37% of U.S. communities, mostly from inland flooding and tornadoes.

Inland flooding48%Tornadoes17%Strong wind11%Cold waves8%Drought8%Everything else9%

By hazard

What Willow Creek faces

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

Inland flooding

48% of expected damage

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

Recorded about once a year in the area

Tornadoes

17% of expected damage

Well above average · higher than 91% of U.S. places

Recorded about once every 6 years in the area

Strong wind

11% of expected damage

Well above average · higher than 96% of U.S. places

Recorded about 6 times a year in the area

Cold waves

8% of expected damage

Well below average · higher than 17% of U.S. places

Recorded about 6 times a year in the area

Drought

8% of expected damage

Recorded about 8 times a year in the area

Lower here

HurricanesHailIce stormsWinter weatherHeat wavesWildfireEarthquakesLandslidesLightning

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 Willow Creek flood?

FEMA's records show no paid flood insurance claims in Willow Creek.

of homes in flood zones
are insured

of all homes
are insured

No community discount. Willow Creek isn’t in FEMA’s Community Rating System, which cuts flood insurance up to 45% in towns that do extra flood-proofing.

Insurance rates: Lee County.

Disasters that hit Willow Creek

Federal disasters declared here

None of the disasters declared for Lee County shows FEMA aid or repair money reaching Willow Creek itself in FEMA’s records.

Brought FEMA money into Willow CreekDeclared for Lee County only

Lee County has had 8 natural disasters declared since 1953, most often floods and winter storms.

Around Willow Creek

Willow Creek and the towns around it

Very lowLowModerateHighVery high

Violamostly inland floodingModerate

Altomostly inland floodingModerate

Willow Creekmostly inland floodingLow

Shabbonamostly 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. Willow Creek 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 Willow Creek’s own flood-insurance community; household aid to the registrant’s city; repair grants to the Township of Willow Creek. 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.