Photo: bogdanstepniak · CC BY 3.0FEMA expects less hazard damage per building in Schaumburg Township than in 79% of U.S. towns, mostly from river and rain flooding
On FEMA’s National Risk Index, Schaumburg Township gets an A− for hazard risk: lower expected damage per building than 79% of U.S. towns, #79 of 768 in Illinois. Most of that expected damage is river and rain flooding (80%), then tornadoes (14%). Flood insurance has paid 63 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 Schaumburg Township’s natural hazards
From FEMA’s model and FEMA’s records, below.
What Schaumburg Township 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 Schaumburg Township’s grade
River and rain flooding is 80% of the building damage FEMA expects in Schaumburg Township, and Schaumburg Township’s rate of river and rain flooding damage is lower than 58% of U.S. census tracts. Next is tornadoes at 14% (higher than 76% of U.S. census tracts).
A− #79 of 768 in Illinois; lower expected damage per building than 79% of U.S. towns (21,298).
Schaumburg Township’s residents live in 26 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, Schaumburg Township has less expected damage per building than 90% of Illinois towns.
Among the 400 U.S. cities of 100,000 or more, Schaumburg Township has lower expected damage per building than 89% (#44 of 400). Because it is so big, its total expected yearly loss, $51.6M, is the 237th largest of those 400.
Does Schaumburg Township flood? Sometimes: 63 flood claims since 1979
Every paid claim on a federal flood insurance policy in Schaumburg Township, from FEMA’s records: 1.2 per 1,000 homes, fewer than 74% of the 13,809 U.S. towns with a flood insurance record.
- Hurricane Ike9 claims · $182K
- The Mid-spring storms1 claim · $8K
Schaumburg Township isn’t in FEMA’s Community Rating System, which cuts flood insurance up to 45% in towns that do extra flood-proofing.
Insurance rates: Cook County.3 federal disasters brought FEMA money to Schaumburg Township
Disasters that paid out in Schaumburg Township itself (aid to households or repair grants to Schaumburg Township), newest first, with that year’s flood claims.
- 2011Severe Winter Storm and Snowstorm$13K to Schaumburg Township for repairs2 flood claims paid that year
- 2008Severe Storms and Flooding$5K to Schaumburg Township for repairs9 flood claims paid that year
- 1999Il-winter Storm 1/1/99$2K to Schaumburg Township for repairs
Cook County has had 21 natural disasters declared by the President since 1953, most often severe storms, then floods. Not counted: the 2005 Hurricane Katrina evacuee emergency, which covered counties that took in evacuees.
Old photos of Schaumburg Township after a storm or flood belong in the town’s history. Add one, or share what you remember below.
Add to the Schaumburg Township archive →Schaumburg Township and its neighbors
Schaumburg Township 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 |
|---|---|---|---|
| Bloomingdale Township | A−less damage than 83% | river and rain flooding | 240 |
| Elk Grove Village | A−less damage than 83% | river and rain flooding | 31 |
| Schaumburg Township | A−less damage than 79% | river and rain flooding | 63 |
| Hanover Township | A−less damage than 77% | river and rain flooding | 33 |
| Hanover Park | A−less damage than 76% | river and rain flooding | 22 |
| Palatine Township | Bless damage than 62% | river and rain flooding | 98 |
| Elk Grove Township | B−less damage than 54% | river and rain flooding | 141 |
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 Schaumburg Township 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 Schaumburg Township
Is Schaumburg Township at risk for natural disasters?
On FEMA’s National Risk Index, Schaumburg Township has lower expected damage per building than 79% of U.S. towns: A− for hazard risk, #79 of 768 in Illinois. Most of the expected damage is river and rain flooding (80%) and tornadoes (14%). This is FEMA’s model of an average year for today’s buildings, not a forecast.
Does Schaumburg Township flood?
Flood insurance has paid 63 claims in Schaumburg Township since 1979, $828K in all, or 1.2 per 1,000 homes, fewer than 74% of U.S. towns with a flood insurance record. The most claims came from Hurricane Ike (9).
Is Schaumburg Township 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 Cook County, 32% of homes in mapped flood zones carry federal flood insurance, and 0.5% of all homes do.
How much is flood insurance in Schaumburg Township?
FEMA’s Community Rating System list shows no discount for Schaumburg Township’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 Schaumburg Township?
By FEMA money that reached Schaumburg Township, Severe Winter Storm and Snowstorm (2011): $13K to Schaumburg Township for repairs. By flood claims, Hurricane Ike: 9 paid, $182K.
Is Schaumburg Township at risk from river and rain flooding?
It is the largest share of the building damage FEMA expects here (80%), and Schaumburg Township’s rate for it is lower than 58% of U.S. census tracts.
Storm stories
Memories, warnings and help from neighbors in Schaumburg Township.
Sources: FEMA National Risk Index v1.20 (December 2025), census-tract table, combined by where Schaumburg Township’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.