Less hazard damage per building is expected in Kildeer than in 65% of U.S. towns, mostly from river and rain flooding
On FEMA’s National Risk Index, Kildeer gets a B for hazard risk: lower expected damage per building than 65% of U.S. towns, #182 of 768 in Illinois. Most of that expected damage is river and rain flooding (87%), then tornadoes (10%). Flood insurance has paid 1 claim here since 2013.
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 Kildeer 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 Kildeer’s grade
River and rain flooding is 87% of the building damage FEMA expects in Kildeer, and Kildeer’s rate of river and rain flooding damage is higher than 60% of U.S. census tracts. Next is tornadoes at 10% (higher than 72% of U.S. census tracts).
B #182 of 768 in Illinois; lower expected damage per building than 65% of U.S. towns (21,298).
Kildeer’s residents live in 4 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, Kildeer has less expected damage per building than 76% of Illinois towns.
In dollars, FEMA expects about $2.1M a year in losses across Kildeer: $1.6M to buildings, the rest to people and crops.
Does Kildeer flood? Rarely: 1 flood claim since 2013
Every paid claim on a federal flood insurance policy in Kildeer, from FEMA’s records: 0.7 per 1,000 homes, fewer than 86% of the 13,809 U.S. towns with a flood insurance record.
Kildeer 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.1 federal disaster brought FEMA money to Kildeer
Disasters that paid out in Kildeer itself (aid to households or repair grants to the Village of Kildeer), newest first, with that year’s flood claims.
- 2013Severe Storms, Straight-line Winds, and Flooding2 households applied for aid$4K aid approved1 flood claim paid that year
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.
Old photos of Kildeer after a storm or flood belong in the town’s history. Add one, or share what you remember below.
Add to the Kildeer archive →Kildeer and its neighbors
Kildeer is 6th 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 |
|---|---|---|---|
| Forest Lake | Aless damage than 86% | river and rain flooding | — |
| Hawthorn Woods | A−less damage than 82% | river and rain flooding | 2 |
| Lake Zurich | A−less damage than 82% | river and rain flooding | 6 |
| Deer Park | B+less damage than 69% | river and rain flooding | 4 |
| Long Grove | B+less damage than 67% | river and rain flooding | 5 |
| Kildeer | Bless damage than 65% | river and rain flooding | 1 |
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 Kildeer 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 Kildeer
Is Kildeer at risk for natural disasters?
On FEMA’s National Risk Index, Kildeer has lower expected damage per building than 65% of U.S. towns: B for hazard risk, #182 of 768 in Illinois. Most of the expected damage is river and rain flooding (87%) and tornadoes (10%). This is FEMA’s model of an average year for today’s buildings, not a forecast.
Does Kildeer flood?
Flood insurance has paid 1 claim in Kildeer since 2013, $27K in all, or 0.7 per 1,000 homes, fewer than 86% of U.S. towns with a flood insurance record.
Is Kildeer 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 Kildeer?
FEMA’s Community Rating System list shows no discount for Kildeer’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 Kildeer?
By FEMA money that reached Kildeer, Severe Storms, Straight-line Winds, and Flooding (2013): 2 households applied for aid, $4K approved.
Is Kildeer at risk from river and rain flooding?
It is the largest share of the building damage FEMA expects here (87%), and Kildeer’s rate for it is higher than 60% of U.S. census tracts.
Storm stories
Memories, warnings and help from neighbors in Kildeer.
Sources: FEMA National Risk Index v1.20 (December 2025), census-tract table, combined by where Kildeer’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.