FEMA puts Maple Park’s expected hazard damage per building below that of 75% of U.S. towns, mostly from river and rain flooding
On FEMA’s National Risk Index, Maple Park gets an A− for hazard risk: lower expected damage per building than 75% of U.S. towns. Most of that expected damage is river and rain flooding (81%), then tornadoes (14%). 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 Maple 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 Maple Park’s grade
River and rain flooding is 81% of the building damage FEMA expects in Maple Park, and Maple Park’s rate of river and rain flooding damage is lower than 54% of U.S. census tracts. Next is tornadoes at 14% (higher than 78% of U.S. census tracts).
A− lower expected damage per building than 75% of U.S. towns (21,298).
Maple Park’s residents live in 2 census tracts; FEMA’s figures are combined by where they live.
In dollars, FEMA expects about $683K a year in losses across Maple Park: $372K to buildings, the rest to people and crops.
Does Maple Park flood? No paid flood claims on record
FEMA’s records show no paid flood insurance claims in Maple Park. That’s not a promise: most homes don’t carry flood insurance, so small floods go unrecorded.
Maple 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: DeKalb County.3 federal disasters brought FEMA money to Maple Park
Disasters that paid out in Maple Park itself (aid to households or repair grants to the Village of Maple Park), newest first, with that year’s flood claims.
- 2013Severe Storms, Straight-line Winds, and Flooding1 households applied for aid$467 aid approved
- 2008Severe Storms and Flooding53 households applied for aid$112K aid approved
- 2007Severe Storms and Flooding3 households applied for aid$11K aid approved
DeKalb County has had 9 natural disasters declared by the President since 1953, most often floods, then winter storms. Not counted: the 2005 Hurricane Katrina evacuee emergency, which covered counties that took in evacuees.
Old photos of Maple Park after a storm or flood belong in the town’s history. Add one, or share what you remember below.
Add to the Maple Park archive →Get ready for what Maple 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 Maple Park
Is Maple Park at risk for natural disasters?
On FEMA’s National Risk Index, Maple Park has lower expected damage per building than 75% of U.S. towns: A− for hazard risk. Most of the expected damage is river and rain flooding (81%) and tornadoes (14%). This is FEMA’s model of an average year for today’s buildings, not a forecast.
Is Maple 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 DeKalb County, 21% of homes in mapped flood zones carry federal flood insurance, and 0.5% of all homes do.
How much is flood insurance in Maple Park?
FEMA’s Community Rating System list shows no discount for Maple Park’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 Maple Park?
By FEMA money that reached Maple Park, Severe Storms and Flooding (2008): 53 households applied for aid, $112K approved.
Is Maple Park at risk from river and rain flooding?
It is the largest share of the building damage FEMA expects here (81%), and Maple Park’s rate for it is lower than 54% of U.S. census tracts.
Storm stories
Memories, warnings and help from neighbors in Maple Park.
Sources: FEMA National Risk Index v1.20 (December 2025), census-tract table, combined by where Maple 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.