FEMA expects more hazard damage per building in Lincolnshire than in 66% of U.S. towns, mostly from river and rain flooding
On FEMA’s National Risk Index, Lincolnshire gets a C for hazard risk: higher expected damage per building than 66% of U.S. towns, #516 of 768 in Illinois. Most of that expected damage is river and rain flooding (89%). Flood insurance has paid 44 claims here since 1979.
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 stands out about Lincolnshire’s natural hazards
From FEMA’s model and FEMA’s records, below.
What Lincolnshire 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 Lincolnshire’s grade
River and rain flooding is 89% of the building damage FEMA expects in Lincolnshire, and Lincolnshire’s rate of river and rain flooding damage is higher than 82% of U.S. census tracts. Next is tornadoes at 8% (higher than 72% of U.S. census tracts).
C #516 of 768 in Illinois; higher expected damage per building than 66% of U.S. towns (21,298).
Lincolnshire’s residents live in 6 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, Lincolnshire has more expected damage per building than 67% of Illinois towns.
In dollars, FEMA expects about $6.2M a year in losses across Lincolnshire: $5.2M to buildings, the rest to people and crops.
Does Lincolnshire flood? Sometimes: 44 flood claims since 1979
Every paid claim on a federal flood insurance policy in Lincolnshire, from FEMA’s records: 12.8 per 1,000 homes, more than 78% of the 13,809 U.S. towns with a flood insurance record.
- The Mid-spring storms12 claims · $950K
Lincolnshire is in FEMA’s Community Rating System (class 8) for its flood-proofing work.
Insurance rates: Lake County.5 federal disasters brought FEMA money to Lincolnshire
Disasters that paid out in Lincolnshire itself (aid to households or repair grants to the Village of Lincolnshire), newest first, with that year’s flood claims.
- 2013Severe Storms, Straight-line Winds, and Flooding9 households applied for aid$9K aid approved$68K to the Village of Lincolnshire for repairs12 flood claims paid that year
- 2011Severe Winter Storm and Snowstorm$27K to the Village of Lincolnshire for repairs
- 2008Record Snow and Near Record Snow$19K to the Village of Lincolnshire for repairs1 flood claim paid that year
- 2000Illinois Winter Snow Storms$11K to the Village of Lincolnshire for repairs
- 1999Il-winter Storm 1/1/99$12K to the Village of Lincolnshire for repairs
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 Lincolnshire after a storm or flood belong in the town’s history. Add one, or share what you remember below.
Add to the Lincolnshire archive →Lincolnshire and its neighbors
Lincolnshire is 5th 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 |
|---|---|---|---|
| Vernon Hills | A−less damage than 84% | river and rain flooding | 1 |
| Lake Forest | B+less damage than 75% | river and rain flooding | 23 |
| Buffalo Grove | B−more damage than 52% | river and rain flooding | 18 |
| Riverwoods | C+more damage than 62% | river and rain flooding | 25 |
| Lincolnshire | Cmore damage than 66% | river and rain flooding | 44 |
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 Lincolnshire 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.
- Lincolnshire residents get 10% off flood insurance.
Know where neighbors sign up for alerts? Add it to the Handbook so everyone has it.
Questions about natural hazards in Lincolnshire
Is Lincolnshire at risk for natural disasters?
On FEMA’s National Risk Index, Lincolnshire has higher expected damage per building than 66% of U.S. towns: C for hazard risk, #516 of 768 in Illinois. Most of the expected damage is river and rain flooding (89%) and tornadoes (8%). This is FEMA’s model of an average year for today’s buildings, not a forecast.
Does Lincolnshire flood?
Flood insurance has paid 44 claims in Lincolnshire since 1979, $2.3M in all, or 12.8 per 1,000 homes, more than 78% of U.S. towns with a flood insurance record. 9 properties have flooded more than once. The most claims came from Mid-spring storms (12).
Is Lincolnshire 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 Lincolnshire?
Lincolnshire is in FEMA’s Community Rating System (class 8), which takes 10% off federal flood insurance policies for its flood-proofing work. Premiums depend on the building; policies usually start 30 days after you buy, so get a quote early.
What was the biggest storm in Lincolnshire?
By FEMA money that reached Lincolnshire, Severe Storms, Straight-line Winds, and Flooding (2013): 9 households applied for aid, $9K approved, and $68K to the Village of Lincolnshire for repairs. By flood claims, Mid-spring storms: 12 paid, $950K.
Is Lincolnshire at risk from river and rain flooding?
It is the largest share of the building damage FEMA expects here (89%), and Lincolnshire’s rate for it is higher than 82% of U.S. census tracts.
Storm stories
Memories, warnings and help from neighbors in Lincolnshire.
Sources: FEMA National Risk Index v1.20 (December 2025), census-tract table, combined by where Lincolnshire’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.