TownTapestry
Sign inJoin
Winthrop HarborGood evening
Natural hazards · Winthrop Harbor

Winthrop Harbor, IL natural hazards

Most of the natural-hazard damage FEMA expects in Winthrop Harbor comes from inland flooding, and overall the risk is very low for a U.S. community. Flood insurance has paid 4 claims here since 2009. 6 federal disasters brought FEMA money into town.

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

How exposed is Winthrop Harbor?

7
Very low
vs. U.S. communities

FEMA expects yearly storm and flood damage to homes and buildings in Winthrop Harbor to be higher than in 7% of U.S. communities, mostly from inland flooding and cold waves.

Inland flooding39%Cold waves26%Tornadoes25%Everything else10%
By hazard

What Winthrop Harbor faces

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

Inland flooding

39% of expected damage
Well below average · higher than 18% of U.S. places
Recorded about 2 times a year in the area

Cold waves

26% of expected damage
Well below average · higher than 24% of U.S. places
Recorded about 5 times a year in the area

Tornadoes

25% of expected damage
Above average · higher than 72% of U.S. places

Lower here

Coastal floodingHurricanesHailIce stormsWinter weatherHeat wavesWildfireEarthquakesLandslidesStrong windLightningDrought

Not a risk here

AvalanchesTsunamisVolcanic 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 Winthrop Harbor flood?

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

4paid claims since 2009
$28Kpaid to owners
0homes flooded more than once
20092026
of homes in flood zones
are insured
of all homes
are insured
No community discount. Winthrop Harbor 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 Winthrop Harbor

6 federal disasters brought FEMA money here

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

Brought FEMA money into Winthrop HarborDeclared for Lake County only
2013

Severe Storms, Straight-Line Winds, and Flooding

12 households applied for aid $27K aid approved
2011

Severe Winter Storm and Snowstorm

$14K to the Village of Winthrop Harbor for repairs
2008

Severe Storms and Flooding

2 households applied for aid $4K aid approved
2007

Severe Storms and Flooding

2 households applied for aid $1K aid approved
2000

Illinois Winter Snow Storms

$9K to the Village of Winthrop Harbor for repairs
1999

Il-Winter Storm 1/1/99

$8K to the Village of Winthrop Harbor for repairs
Lake County has had 15 natural disasters declared since 1953, most often winter storms and floods.
Around Winthrop Harbor

Winthrop Harbor and the towns around it

Benton: Very low, mostly inland floodingZion: Very low, mostly inland floodingZion: Very low, mostly inland floodingPleasant Prairie: Very low, mostly cold wavesBeach Park: Very low, mostly inland floodingWadsworth: Very low, mostly inland floodingNewport: Very low, mostly inland floodingWaukegan: Very low, mostly inland floodingKenosha: Very low, mostly cold wavesBristol: Very low, mostly cold wavesWinthrop Harbor: Very low, mostly inland flooding Winthrop HarborBentonZionZionPleasant Prairie
Very lowLowModerateHighVery high
Bentonmostly inland floodingVery low
Winthrop Harbormostly inland floodingVery low
Zionmostly inland floodingVery low
Zionmostly inland floodingVery low
Pleasant Prairiemostly 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. Winthrop Harbor covers 2 census tracts, combined by population.
Money that reached townFlood claims are matched to Winthrop Harbor’s own flood-insurance community; household aid to the registrant’s city; repair grants to the Village of Winthrop Harbor. 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 Winthrop Harbor total about $1.6M 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 porch light’s on

Where to, neighbor?

You’re in Winthrop Harbor, ILView boundary

Nearby

All towns & citiesExplore the map

Local begins with a boundary.

See what belongs to your selected town.

Loading boundary…

Winthrop Harbor is your selected town. The feed includes posts assigned to this town, not a distance radius or ZIP code.

Neighborhoods narrow the feed further, while townwide announcements, events, and issues remain visible.

Boundary source: https://tigerweb.geo.census.gov/arcgis/rest/services/TIGERweb/Places_CouSub_ConCity_SubMCD/MapServer/18 · 2025-01-01
Open detailed map