On FEMA’s figures, Grandwood Park faces about as much hazard damage per building as the typical U.S. town, mostly from river and rain flooding
On FEMA’s National Risk Index, Grandwood Park gets a B− for hazard risk: higher expected damage per building than 53% of U.S. towns, #369 of 768 in Illinois. Most of that expected damage is river and rain flooding (89%). 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 Grandwood 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 Grandwood Park’s grade
River and rain flooding is 89% of the building damage FEMA expects in Grandwood Park, and Grandwood Park’s rate of river and rain flooding damage is higher than 74% of U.S. census tracts. Next is tornadoes at 8% (higher than 72% of U.S. census tracts).
B− #369 of 768 in Illinois; higher expected damage per building than 53% of U.S. towns (21,298).
All of Grandwood Park’s residents live in one census tract; the figures are that tract’s.
The typical Illinois town has higher expected damage than 54% of U.S. towns; within the state, Grandwood Park has less expected damage per building than 52% of Illinois towns.
In dollars, FEMA expects about $2.4M a year in losses across Grandwood Park: $1.8M to buildings, the rest to people and crops.
Does Grandwood Park flood? No paid flood claims on record
FEMA’s records show no paid flood insurance claims in Grandwood Park. That’s not a promise: most homes don’t carry flood insurance, so small floods go unrecorded.
Grandwood 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: Lake County.The storms Grandwood Park remembers
None of the 14 disasters declared for Lake County shows FEMA aid or repair money reaching Grandwood Park itself in FEMA’s records, so these are its biggest flood-claim years.
Lake County has had 14 natural disasters declared by the President since 1953, most often winter storms, then severe storms. Not counted: the 2005 Hurricane Katrina evacuee emergency, which covered counties that took in evacuees.
Grandwood Park and its neighbors
Grandwood Park is 4th of the 5 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 |
|---|---|---|---|
| Gurnee | A−less damage than 84% | river and rain flooding | 86 |
| Lindenhurst | B+less damage than 73% | river and rain flooding | 10 |
| Lake Villa Township | Bless damage than 57% | river and rain flooding | 33 |
| Grandwood Park | B−more damage than 53% | river and rain flooding | 0 |
| Avon Township | C+more damage than 58% | river and rain flooding | 148 |
| Old Mill Creek | — | 143 residents; we grade 1,000+ | |
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 Grandwood 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 Grandwood Park
Is Grandwood Park at risk for natural disasters?
On FEMA’s National Risk Index, Grandwood Park has higher expected damage per building than 53% of U.S. towns: B− for hazard risk, #369 of 768 in Illinois. Most of the expected damage is river and rain flooding (89%) and tornadoes (8%). The figures are for the one census tract the town shares with its neighbors. This is FEMA’s model of an average year for today’s buildings, not a forecast.
Is Grandwood 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 Lake County, 24% of homes in mapped flood zones carry federal flood insurance, and 0.8% of all homes do.
How much is flood insurance in Grandwood Park?
FEMA’s Community Rating System list shows no discount for Grandwood Park’s flood program. Premiums depend on the building; policies usually start 30 days after you buy, so get a quote early.
Is Grandwood Park at risk from river and rain flooding?
It is the largest share of the building damage FEMA expects here (89%), and Grandwood Park’s rate for it is higher than 74% of U.S. census tracts.
Storm stories
Memories, warnings and help from neighbors in Grandwood Park.
Sources: FEMA National Risk Index v1.20 (December 2025), census-tract table, combined by where Grandwood 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.