Photo: David Wilson from Oak Park, Illinois, USA · CC BY 2.0Storms, floods and disasters in McLean
McLean isn’t graded for hazard risk: McLean has 708 residents; we grade towns of 1,000 or more. Flood insurance has paid 15 claims here since 1979.
What McLean 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
Earthquakes
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 McLean flood? Sometimes: 15 flood claims since 1979
Every paid claim on a federal flood insurance policy in McLean, from FEMA’s records.
McLean isn’t in FEMA’s Community Rating System, which cuts flood insurance up to 45% in towns that do extra flood-proofing.
Insurance rates: McLean County.3 federal disasters brought FEMA money to McLean
Disasters that paid out in McLean itself (aid to households or repair grants to the Village of McLean), newest first, with that year’s flood claims.
- 2011Severe Winter Storm and Snowstorm$2K to the Village of McLean for repairs
- 2000Illinois Winter Snow Storms$1K to the Village of McLean for repairs
- 1999Il-winter Storm 1/1/99$2K to the Village of McLean for repairs
McLean County has had 8 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 McLean after a storm or flood belong in the town’s history. Add one, or share what you remember below.
Add to the McLean archive →Get ready for what McLean 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.
- Drop, cover and hold on.
- Strap tall furniture and the water heater to the wall.
- Know how to shut off the gas.
- 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 McLean
Does McLean flood?
Flood insurance has paid 15 claims in McLean since 1979, $29K in all. 1 properties have flooded more than once.
Is McLean 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 McLean County, 13% of homes in mapped flood zones carry federal flood insurance, and 0.2% of all homes do.
How much is flood insurance in McLean?
FEMA’s Community Rating System list shows no discount for McLean’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 McLean?
By FEMA money that reached McLean, Il-winter Storm 1/1/99 (1999): $2K to the Village of McLean for repairs.
Storm stories
Memories, warnings and help from neighbors in McLean.
Sources: FEMA National Risk Index v1.20 (December 2025), census-tract table, combined by where McLean’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.