Photo: Teemu008 from Palatine, Illinois · CC BY-SA 2.0On FEMA’s figures, Campton Hills faces less hazard damage per building than 65% of U.S. towns, mostly from river and rain flooding
On FEMA’s National Risk Index, Campton Hills gets a B+ for hazard risk: lower expected damage per building than 65% of U.S. towns, #179 of 768 in Illinois. Most of that expected damage is river and rain flooding (85%), then tornadoes (12%). FEMA’s files show no paid flood insurance claims here.
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 Campton Hills 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 Campton Hills’ grade
River and rain flooding is 85% of the building damage FEMA expects in Campton Hills, and Campton Hills’ rate of river and rain flooding damage is higher than 58% of U.S. census tracts. Next is tornadoes at 12% (higher than 80% of U.S. census tracts).
B+ #179 of 768 in Illinois; lower expected damage per building than 65% of U.S. towns (21,298).
Campton Hills’ residents live in 8 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, Campton Hills has less expected damage per building than 77% of Illinois towns.
In dollars, FEMA expects about $5.2M a year in losses across Campton Hills: $3.5M to buildings, the rest to people and crops.
Does Campton Hills flood? No paid flood claims on record
FEMA’s records show no paid flood insurance claims in Campton Hills. That’s not a promise: most homes don’t carry flood insurance, so small floods go unrecorded.
Campton Hills isn’t in FEMA’s Community Rating System, which cuts flood insurance up to 45% in towns that do extra flood-proofing.
Insurance rates: Kane County.2 federal disasters brought FEMA money to Campton Hills
Disasters that paid out in Campton Hills itself (aid to households or repair grants to the Village of Campton Hills), newest first, with that year’s flood claims.
- 2011Severe Winter Storm and Snowstorm$14K to the Village of Campton Hills for repairs
- 2007Severe Storms and Flooding$10K to the Village of Campton Hills for repairs
Kane County has had 13 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 Campton Hills after a storm or flood belong in the town’s history. Add one, or share what you remember below.
Add to the Campton Hills archive →Campton Hills and its neighbors
Campton Hills is 4th of the 6 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 |
|---|---|---|---|
| Plato Township | B+less damage than 70% | river and rain flooding | — |
| Campton Township | B+less damage than 70% | river and rain flooding | — |
| St. Charles | B+less damage than 68% | river and rain flooding | 44 |
| Campton Hills | B+less damage than 65% | river and rain flooding | 0 |
| St. Charles Township | B−less damage than 53% | river and rain flooding | 89 |
| Elgin | B−less damage than 53% | river and rain flooding | 115 |
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 Campton Hills 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 Campton Hills
Is Campton Hills at risk for natural disasters?
On FEMA’s National Risk Index, Campton Hills has lower expected damage per building than 65% of U.S. towns: B+ for hazard risk, #179 of 768 in Illinois. Most of the expected damage is river and rain flooding (85%) and tornadoes (12%). This is FEMA’s model of an average year for today’s buildings, not a forecast.
Is Campton Hills 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 Kane County, 28% of homes in mapped flood zones carry federal flood insurance, and 0.4% of all homes do.
How much is flood insurance in Campton Hills?
FEMA’s Community Rating System list shows no discount for Campton Hills’ 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 Campton Hills?
By FEMA money that reached Campton Hills, Severe Winter Storm and Snowstorm (2011): $14K to the Village of Campton Hills for repairs.
Is Campton Hills at risk from river and rain flooding?
It is the largest share of the building damage FEMA expects here (85%), and Campton Hills’ rate for it is higher than 58% of U.S. census tracts.
Storm stories
Memories, warnings and help from neighbors in Campton Hills.
Sources: FEMA National Risk Index v1.20 (December 2025), census-tract table, combined by where Campton Hills’ 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.