Photo: Jacob G. from Chicago, Illinois, United States · CC BY-SA 2.0FEMA expects more hazard damage per building in Calumet Park than in 88% of U.S. towns, mostly from river and rain flooding
On FEMA’s National Risk Index, Calumet Park gets a D for hazard risk: higher expected damage per building than 88% of U.S. towns, #724 of 768 in Illinois. Most of that expected damage is river and rain flooding (91%). Flood insurance has paid 7 claims here since 1982.
Graded on FEMA’s expected yearly building damage per dollar of building value (NRI v1.20, December 2025), weighted by where residents live; flood claims are shown, not graded. How hazard risk is graded
What Calumet Park faces
Each hazard’s share of the building damage FEMA expects here, and how its rate compares with the rest of the country.
River and rain flooding
Tornadoes
Shares are of FEMA’s expected building damage, the measure the grade uses; ranks compare each hazard’s building-damage rate with all 85,154 U.S. census tracts. In FEMA’s terms, river and rain flooding is FEMA’s “Inland Flooding” (rivers and streams overflowing their banks, or rain overwhelming drainage). FEMA defines coastal flooding as high or rising tides and storm surge, so surge damage is counted there. Drought isn’t listed: FEMA counts its losses in crops only.
What’s behind Calumet Park’s grade
River and rain flooding is 91% of the building damage FEMA expects in Calumet Park, and Calumet Park’s rate of river and rain flooding damage is in the top 6% of U.S. census tracts. Next is tornadoes at 6% (higher than 83% of U.S. census tracts).
D #724 of 768 in Illinois; higher expected damage per building than 88% of U.S. towns (21,298).
Calumet Park’s residents live in 3 census tracts; FEMA’s figures are combined by where they live.
The typical Illinois town has higher expected damage than 54% of U.S. towns; within the state, Calumet Park has more expected damage per building than 94% of Illinois towns.
In dollars, FEMA expects about $4.2M a year in losses across Calumet Park: $2.6M to buildings, the rest to people and crops.
Does Calumet Park flood? Rarely: 7 flood claims since 1982
Every paid claim on a federal flood insurance policy in Calumet Park, from FEMA’s records: 2.2 per 1,000 homes, fewer than 59% of the 13,809 U.S. towns with a flood insurance record.
- Hurricane Ike1 claim · $7K
- The Mid-spring storms1 claim · $6K
Calumet Park isn’t in FEMA’s Community Rating System, which cuts flood insurance up to 45% in towns that do extra flood-proofing.
Insurance rates: Cook County.9 federal disasters brought FEMA money to Calumet Park
Disasters that paid out in Calumet Park itself (aid to households or repair grants to the Village of Calumet Park), newest first, with that year’s flood claims.
- 2024Severe Storms, Tornadoes, Straight-line Winds, and Floodng288 households applied for aid$1.2M aid approved
- 2023Severe Storms and Flooding176 households applied for aid$339K aid approved
- 2023Severe Storms and Flooding572 households applied for aid$1.7M aid approved
- 2013Severe Storms, Straight-line Winds, and Flooding608 households applied for aid$1.2M aid approved1 flood claim paid that year
- 2011Severe Winter Storm and Snowstorm$28K to the Village of Calumet Park for repairs
- 2010Severe Storms and Flooding694 households applied for aid$1.9M aid approved
Show all 9
- 2008Severe Storms and Flooding536 households applied for aid$480K aid approved1 flood claim paid that year
- 2000Illinois Winter Snow Storms$13K to the Village of Calumet Park for repairs
- 1999Il-winter Storm 1/1/99$10K to the Village of Calumet Park for repairs
Cook County has had 21 natural disasters declared by the President since 1953, most often severe storms, then floods. Not counted: the 2005 Hurricane Katrina evacuee emergency, which covered counties that took in evacuees.
Old photos of Calumet Park after a storm or flood belong in the town’s history. Add one, or share what you remember below.
Add to the Calumet Park archive →Calumet Park and its neighbors
Calumet Park is 2nd of the 4 graded towns here, from least expected damage per building to most. Tap a town to see its hazards.
| Town | Hazard risk | Mostly (buildings) | Flood claims |
|---|---|---|---|
| Chicago | B−more damage than 51% | river and rain flooding | 550 |
| Calumet Park | Dmore damage than 88% | river and rain flooding | 7 |
| Blue Island | Dmore damage than 90% | river and rain flooding | 2 |
| Calumet Township | Dmore damage than 92% | river and rain flooding | 5 |
Hazard risk = FEMA’s expected yearly building damage per dollar of building value, vs. the 21,298 U.S. towns we grade; the map is shaded by fifths of the same scale. Flood claims = paid federal flood insurance claims on record.
Get ready for what Calumet Park faces
A short kit for the hazards that drive the building damage here, what to check before you buy, and where neighbors get alerts.
- Turn around at flooded roads: a foot of moving water can carry off a car.
- Flood insurance usually takes 30 days to start, so buy it before the forecast.
- Keep papers and medicines up high, in a grab-and-go bag.
- Pick your spot now: the lowest floor, an inside room, no windows.
- A watch means be ready; a warning means take cover now.
- Keep shoes and a flashlight by the bed.
- Look up the address on FEMA’s flood map.
- Ask the seller or landlord whether it has ever flooded, and what flood insurance costs there.
- Get a flood insurance quote early: policies usually start 30 days after you buy.
Know where neighbors sign up for alerts? Add it to the Handbook so everyone has it.
Questions about natural hazards in Calumet Park
Is Calumet Park at risk for natural disasters?
On FEMA’s National Risk Index, Calumet Park has higher expected damage per building than 88% of U.S. towns: D for hazard risk, #724 of 768 in Illinois. Most of the expected damage is river and rain flooding (91%) and tornadoes (6%). This is FEMA’s model of an average year for today’s buildings, not a forecast.
Does Calumet Park flood?
Flood insurance has paid 7 claims in Calumet Park since 1982, $43K in all, or 2.2 per 1,000 homes, fewer than 59% of U.S. towns with a flood insurance record. The most claims came from Hurricane Ike (1).
Is Calumet Park in a flood zone?
Flood zones are drawn street by street, so the answer depends on the address: look it up on FEMA’s flood map. In Cook County, 32% of homes in mapped flood zones carry federal flood insurance, and 0.5% of all homes do.
How much is flood insurance in Calumet Park?
FEMA’s Community Rating System list shows no discount for Calumet Park’s flood program. Premiums depend on the building; policies usually start 30 days after you buy, so get a quote early.
What was the biggest storm in Calumet Park?
By FEMA money that reached Calumet Park, Severe Storms and Flooding (2010): 694 households applied for aid, $1.9M approved. By flood claims, Hurricane Ike: 1 paid, $7K.
Is Calumet Park at risk from river and rain flooding?
It is the largest share of the building damage FEMA expects here (91%), and Calumet Park’s rate for it is in the top 6% of U.S. census tracts.
Storm stories
Memories, warnings and help from neighbors in Calumet Park.
Sources: FEMA National Risk Index v1.20 (December 2025), census-tract table, combined by where Calumet Park’s residents lived in the 2020 census; 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. Homes: Census ACS 2020–24. Preparedness tips: Ready.gov. FEMA’s model is an average of expected damage, not a forecast. How hazard risk is graded.