On FEMA’s figures, Lindenhurst faces less hazard damage per building than 73% of U.S. towns, mostly from river and rain flooding
On FEMA’s National Risk Index, Lindenhurst gets a B+ for hazard risk: lower expected damage per building than 73% of U.S. towns, #127 of 768 in Illinois. Most of that expected damage is river and rain flooding (86%), then tornadoes (11%). Flood insurance has paid 10 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 Lindenhurst’s natural hazards
From FEMA’s model and FEMA’s records, below.
What Lindenhurst 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 Lindenhurst’s grade
River and rain flooding is 86% of the building damage FEMA expects in Lindenhurst, and Lindenhurst’s rate of river and rain flooding damage is higher than 52% of U.S. census tracts. Next is tornadoes at 11% (higher than 72% of U.S. census tracts).
B+ #127 of 768 in Illinois; lower expected damage per building than 73% of U.S. towns (21,298).
Lindenhurst’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, Lindenhurst has less expected damage per building than 84% of Illinois towns.
In dollars, FEMA expects about $4.3M a year in losses across Lindenhurst: $2.6M to buildings, the rest to people and crops.
Does Lindenhurst flood? Sometimes: 10 flood claims since 1979
Every paid claim on a federal flood insurance policy in Lindenhurst, from FEMA’s records: 1.9 per 1,000 homes, fewer than 63% of the 13,809 U.S. towns with a flood insurance record.
- The Midwest Flooding1 claim · $9K
Lindenhurst 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 Lindenhurst
Disasters that paid out in Lindenhurst itself (aid to households or repair grants to the Village of Lindenhurst), newest first, with that year’s flood claims.
- 2013Severe Storms, Straight-line Winds, and Flooding7 households applied for aid$12K aid approved
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 Lindenhurst after a storm or flood belong in the town’s history. Add one, or share what you remember below.
Add to the Lindenhurst archive →Lindenhurst and its neighbors
Lindenhurst is 3rd of the 7 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 |
|---|---|---|---|
| Newport Township | Aless damage than 92% | river and rain flooding | 13 |
| Warren Township | Aless damage than 85% | river and rain flooding | 99 |
| Lindenhurst | B+less damage than 73% | river and rain flooding | 10 |
| Venetian Village | B+less damage than 69% | river and rain flooding | — |
| Grayslake | Bless damage than 58% | river and rain flooding | 14 |
| Lake Villa | B−less damage than 52% | river and rain flooding | 8 |
| Grandwood Park | B−more damage than 53% | river and rain flooding | — |
| 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 Lindenhurst 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 Lindenhurst
Is Lindenhurst at risk for natural disasters?
On FEMA’s National Risk Index, Lindenhurst has lower expected damage per building than 73% of U.S. towns: B+ for hazard risk, #127 of 768 in Illinois. Most of the expected damage is river and rain flooding (86%) and tornadoes (11%). This is FEMA’s model of an average year for today’s buildings, not a forecast.
Does Lindenhurst flood?
Flood insurance has paid 10 claims in Lindenhurst since 1979, $112K in all, or 1.9 per 1,000 homes, fewer than 63% of U.S. towns with a flood insurance record. 2 properties have flooded more than once. The most claims came from Midwest Flooding (1).
Is Lindenhurst 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 Lindenhurst?
FEMA’s Community Rating System list shows no discount for Lindenhurst’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 Lindenhurst?
By FEMA money that reached Lindenhurst, Severe Storms, Straight-line Winds, and Flooding (2013): 7 households applied for aid, $12K approved. By flood claims, Midwest Flooding: 1 paid, $9K.
Is Lindenhurst at risk from river and rain flooding?
It is the largest share of the building damage FEMA expects here (86%), and Lindenhurst’s rate for it is higher than 52% of U.S. census tracts.
Storm stories
Memories, warnings and help from neighbors in Lindenhurst.
Sources: FEMA National Risk Index v1.20 (December 2025), census-tract table, combined by where Lindenhurst’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.