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Aerial view of approach to O'Hare from the westPhoto: Downtowngal · CC BY-SA 4.0
A−Hazard risk
Natural hazards in Elk Grove Village · FEMA

Less hazard damage per building is expected in Elk Grove Village than in 83% of U.S. towns, mostly from river and rain flooding

On FEMA’s National Risk Index, Elk Grove Village gets an A− for hazard risk: lower expected damage per building than 83% of U.S. towns, #57 of 768 in Illinois. Most of that expected damage is river and rain flooding (77%), then tornadoes (16%). Flood insurance has paid 31 claims here since 1987.

River and rain flooding 77%Tornadoes 16%Earthquakes 5%

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

less than 83%of U.S. townsLess damageMoreExpected yearly damage per dollar of building, vs. the 21,298 U.S. towns we grade#57 of 768 in Illinois
Hazard risk
A−#57 of 768
in Illinois · lower than 83% of U.S. towns
Main hazard
River and rain flooding
77% of expected building damage
Flood claims
31
paid since 1987 · $2.0M
Flooded more than once
6
properties · 1 “severe repetitive loss”
Disasters paid out here
9
of 21 declared for Cook County

What stands out about Elk Grove Village’s natural hazards

From FEMA’s model and FEMA’s records, below.

Lower expected damage than 83% of U.S. townsFEMA’s model of yearly storm and flood damage per dollar of building.Remembers 20117 flood claims were paid for 2011 alone, the most of any year.
By hazard

What Elk Grove Village 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

77%of expected building damage
Below average · lower than 62% of U.S. census tracts
Recorded about 6 times a year in the area

Tornadoes

16%of expected building damage
Above average · higher than 76% of U.S. census tracts

Earthquakes

5%of expected building damage
About average · lower than 53% of U.S. census tracts
Smaller shares here
 Hail Strong wind Winter storms Ice storms Lightning Hurricanes Wildfire Cold waves Heat waves Landslides
FEMA models no building damage here
Coastal floodingAvalanchesTsunamisVolcanic activity
People, not buildings.Counting harm to people as well as buildings, FEMA’s model puts cold waves at 29% of Elk Grove Village’s expected losses. Cold waves do little damage to buildings (0.0%), so they aren’t part of the grade.

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.

Flood risk changes street by street. Check a specific address on FEMA’s flood map, and ask about flood insurance before you buy.
Hazard risk grade

What’s behind Elk Grove Village’s grade

River and rain flooding is 77% of the building damage FEMA expects in Elk Grove Village, and Elk Grove Village’s rate of river and rain flooding damage is lower than 62% of U.S. census tracts. Next is tornadoes at 16% (higher than 76% of U.S. census tracts).

Where Elk Grove Village sits
Elk Grove Village
Least damageMiddleMost damage

A− #57 of 768 in Illinois; lower expected damage per building than 83% of U.S. towns (21,298).

Elk Grove Village’s residents live in 8 census tracts; FEMA’s figures are combined by where they live.

What drives the damage to buildings
River and rain flooding77%Tornadoes16%Earthquakes5%Everything else2%

The typical Illinois town has higher expected damage than 54% of U.S. towns; within the state, Elk Grove Village has less expected damage per building than 93% of Illinois towns.

In dollars, FEMA expects about $14.2M a year in losses across Elk Grove Village: $7.3M to buildings, the rest to people and crops.

A firm figure. It combines 8 census tracts by where Elk Grove Village’s residents live. FEMA’s model is an average year for today’s buildings, not a record: the claims and disasters below are the record.

How TownRatings grades hazard risk →

Flood insurance claims

Does Elk Grove Village flood? Sometimes: 31 flood claims since 1987

Every paid claim on a federal flood insurance policy in Elk Grove Village, from FEMA’s records: 2.3 per 1,000 homes, fewer than 58% of the 13,809 U.S. towns with a flood insurance record.

Paid flood claims, by year
1987: 5 claims1988: 0 claims1989: 1 claim1990: 1 claim1991: 0 claims1992: 0 claims1993: 0 claims1994: 0 claims1995: 0 claims1996: 0 claims1997: 1 claim1998: 1 claim1999: 0 claims2000: 0 claims2001: 5 claims2002: 1 claim2003: 0 claims2004: 0 claims2005: 0 claims2006: 0 claims2007: 0 claims2008: 4 claims2009: 0 claims2010: 1 claim2011: 7 claims2012: 0 claims2013: 1 claim2014: 0 claims2015: 0 claims2016: 0 claims2017: 0 claims2018: 0 claims2019: 0 claims2020: 1 claim2021: 0 claims2022: 1 claim2023: 1 claim2024: 0 claims2025: 0 claims2026: 0 claims198720012011
19872026
Biggest named events
  • Hurricane Ike3 claims · $232K
  • The Mid-spring storms1 claim · $20K
31
paid claims since 1987
$2.0M
paid to owners
6
homes flooded more than once
$64K
average claim
Homes that flooded again and again
FEMA “severe repetitive loss” (1)Flooded 2+ times
of homes in flood zones are insured
of all homes are insured
No community discount

Elk Grove Village 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.
Disasters

9 federal disasters brought FEMA money to Elk Grove Village

Disasters that paid out in Elk Grove Village itself (aid to households or repair grants to the Village of Elk Grove Village), newest first, with that year’s flood claims.

  1. 2024Severe Storms, Tornadoes, Straight-line Winds, and Floodng13 households applied for aid$12K aid approved
  2. 2023Severe Storms and Flooding11 households applied for aid$31K aid approved1 flood claim paid that year
  3. 2013Severe Storms, Straight-line Winds, and Flooding8 households applied for aid$21K aid approved1 flood claim paid that year
  4. 2011Severe Winter Storm and Snowstorm$105K to the Village of Elk Grove Village for repairs7 flood claims paid that year
  5. 2010Severe Storms and Flooding8 households applied for aid$25K aid approved1 flood claim paid that year
  6. 2008Severe Storms and Flooding19 households applied for aid$35K aid approved$40K to the Village of Elk Grove Village for repairs4 flood claims paid that year
Show all 9
  1. 2007Severe Storms and Flooding$229K to the Village of Elk Grove Village for repairs
  2. 2000Illinois Winter Snow Storms$32K to the Village of Elk Grove Village for repairs
  3. 1999Il-winter Storm 1/1/99$50K to the Village of Elk Grove Village for repairs
Disasters declared, by decade
Paid out in Elk Grove VillageCook County only

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.

Were you here?

Old photos of Elk Grove Village after a storm or flood belong in the town’s history. Add one, or share what you remember below.

Add to the Elk Grove Village archive →
Next door

Elk Grove Village and its neighbors

Elk Grove Village is 4th of the 11 graded towns here, from least expected damage per building to most. Tap a town to see its hazards.

Bensenville: hazard risk B−Schaumburg: hazard risk A−Elk Grove Township: hazard risk B−Wood Dale: hazard risk A−Schaumburg Township: hazard risk A−Roselle: hazard risk AAddison Township: hazard risk B+Bloomingdale Township: hazard risk A−Chicago: hazard risk B−Itasca: hazard risk ABensenvilleSchaumburgElk Grove TownshipWood DaleSchaumburg TownshipRoselleAddison TownshipBloomingdale TownshipChicagoItascaElk Grove Village
Lowest fifthSecondMiddleFourthHighest fifth
TownHazard riskMostly (buildings)Flood claims
ItascaAless damage than 91%river and rain flooding34
RoselleAless damage than 90%river and rain flooding28
Bloomingdale TownshipA−less damage than 83%river and rain flooding240
Elk Grove VillageA−less damage than 83%river and rain flooding31
Schaumburg TownshipA−less damage than 79%river and rain flooding63
Wood DaleA−less damage than 76%river and rain flooding207
SchaumburgA−less damage than 75%river and rain flooding26
Addison TownshipB+less damage than 66%river and rain flooding845
Elk Grove TownshipB−less damage than 54%river and rain flooding141
ChicagoB−more damage than 51%river and rain flooding550
BensenvilleB−more damage than 54%river and rain flooding110

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.

Be ready

Get ready for what Elk Grove Village faces

A short kit for the hazards that drive the building damage here, what to check before you buy, and where neighbors get alerts.

When the river rises
  • 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.
More from Ready.gov ↗
Tornado warnings
  • 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.
More from Ready.gov ↗
Earthquakes
  • Drop, cover and hold on.
  • Strap tall furniture and the water heater to the wall.
  • Know how to shut off the gas.
More from Ready.gov ↗
Before you buy or rent
  • 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.
When a storm is coming
Forecast and alertsWeather →911, the nearest ERSafety →

Know where neighbors sign up for alerts? Add it to the Handbook so everyone has it.

Questions about natural hazards in Elk Grove Village

Is Elk Grove Village at risk for natural disasters?

On FEMA’s National Risk Index, Elk Grove Village has lower expected damage per building than 83% of U.S. towns: A− for hazard risk, #57 of 768 in Illinois. Most of the expected damage is river and rain flooding (77%) and tornadoes (16%). This is FEMA’s model of an average year for today’s buildings, not a forecast.

Does Elk Grove Village flood?

Flood insurance has paid 31 claims in Elk Grove Village since 1987, $2.0M in all, or 2.3 per 1,000 homes, fewer than 58% of U.S. towns with a flood insurance record. 6 properties have flooded more than once. The most claims came from Hurricane Ike (3).

Is Elk Grove Village 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 Elk Grove Village?

FEMA’s Community Rating System list shows no discount for Elk Grove Village’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 Elk Grove Village?

By FEMA money that reached Elk Grove Village, Severe Storms and Flooding (2007): $229K to the Village of Elk Grove Village for repairs. By flood claims, Hurricane Ike: 3 paid, $232K.

Is Elk Grove Village at risk from river and rain flooding?

It is the largest share of the building damage FEMA expects here (77%), and Elk Grove Village’s rate for it is lower than 62% of U.S. census tracts.

Storm stories

Memories, warnings and help from neighbors in Elk Grove Village.

Town Square →
Start the conversation

Sources: FEMA National Risk Index v1.20 (December 2025), census-tract table, combined by where Elk Grove Village’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.