Storms, floods and disasters in McCullom Lake
McCullom Lake isn’t graded for hazard risk: FEMA’s tract figures aren’t matched to McCullom Lake yet.
What McCullom Lake 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.
Does McCullom Lake flood? No paid flood claims on record
FEMA’s records show no paid flood insurance claims in McCullom Lake. That’s not a promise: most homes don’t carry flood insurance, so small floods go unrecorded.
McCullom Lake isn’t in FEMA’s Community Rating System, which cuts flood insurance up to 45% in towns that do extra flood-proofing.
Insurance rates: McHenry County.3 federal disasters brought FEMA money to McCullom Lake
Disasters that paid out in McCullom Lake itself (aid to households or repair grants to the Village of McCullom Lake), newest first, with that year’s flood claims.
- 2011Severe Winter Storm and Snowstorm$5K to the Village of McCullom Lake for repairs
- 2008Record Snow and Near Record Snow$4K to the Village of McCullom Lake for repairs
- 2006Snow$1K to the Village of McCullom Lake for repairs
McHenry County has had 13 natural disasters declared by the President since 1953, most often winter storms, then floods. Not counted: the 2005 Hurricane Katrina evacuee emergency, which covered counties that took in evacuees.
Old photos of McCullom Lake after a storm or flood belong in the town’s history. Add one, or share what you remember below.
Add to the McCullom Lake archive →McCullom Lake and its neighbors
How expected damage per building compares across the town line. Tap a town to see its hazards.
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 McCullom Lake 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 McCullom Lake
Is McCullom Lake 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 McHenry County, 19% of homes in mapped flood zones carry federal flood insurance, and 0.7% of all homes do.
How much is flood insurance in McCullom Lake?
FEMA’s Community Rating System list shows no discount for McCullom Lake’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 McCullom Lake?
By FEMA money that reached McCullom Lake, Severe Winter Storm and Snowstorm (2011): $5K to the Village of McCullom Lake for repairs.
Storm stories
Memories, warnings and help from neighbors in McCullom Lake.
Sources: FEMA National Risk Index v1.20 (December 2025), census-tract table, combined by where McCullom Lake’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.