FEMA expects more hazard damage per building in Stone Park than in 94% of U.S. towns, mostly from river and rain flooding
On FEMA’s National Risk Index, Stone Park gets a D for hazard risk: higher expected damage per building than 94% of U.S. towns, #760 of 768 in Illinois. Most of that expected damage is river and rain flooding (94%). Flood insurance has paid 393 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 Stone Park’s natural hazards
From FEMA’s model and FEMA’s records, below.
What Stone 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
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 Stone Park’s grade
River and rain flooding is 94% of the building damage FEMA expects in Stone Park, and Stone Park’s rate of river and rain flooding damage is in the top 2% of U.S. census tracts.
D #760 of 768 in Illinois; higher expected damage per building than 94% of U.S. towns (21,298).
Stone Park’s residents live in 2 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, Stone Park has more expected damage per building than 99% of Illinois towns.
In dollars, FEMA expects about $3.1M a year in losses across Stone Park: $2.0M to buildings, the rest to people and crops.
Does Stone Park flood? Yes: 393 flood claims since 1979
Every paid claim on a federal flood insurance policy in Stone Park, from FEMA’s records: 301.1 per 1,000 homes, more than 99% of the 13,809 U.S. towns with a flood insurance record.
- The Mid-spring storms84 claims · $1.7M
- Hurricane Ike45 claims · $824K
Stone 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: Cook County.9 federal disasters brought FEMA money to Stone Park
Disasters that paid out in Stone Park itself (aid to households or repair grants to the Village of Stone Park), newest first, with that year’s flood claims.
- 2024Severe Storms, Tornadoes, Straight-line Winds, and Floodng4 households applied for aid$4K aid approved
- 2023Severe Storms and Flooding2 households applied for aid$12K aid approved
- 2023Severe Storms and Flooding16 households applied for aid$31K aid approved
- 2013Severe Storms, Straight-line Winds, and Flooding169 households applied for aid$503K aid approved84 flood claims paid that year
- 2011Severe Winter Storm and Snowstorm$11K to the Village of Stone Park for repairs10 flood claims paid that year
- 2010Severe Storms and Flooding245 households applied for aid$949K aid approved90 flood claims paid that year
Show all 9
- 2008Severe Storms and Flooding36 households applied for aid$117K aid approved$49K to the Village of Stone Park for repairs46 flood claims paid that year
- 2000Illinois Winter Snow Storms$2K to the Village of Stone Park for repairs
- 1999Il-winter Storm 1/1/99$2K to the Village of Stone Park 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 Stone Park after a storm or flood belong in the town’s history. Add one, or share what you remember below.
Add to the Stone Park archive →Stone Park and its neighbors
Stone Park is 3rd of the 3 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 |
|---|---|---|---|
| Melrose Park | Cmore damage than 67% | river and rain flooding | 374 |
| Northlake | C−more damage than 82% | river and rain flooding | 209 |
| Stone Park | Dmore damage than 94% | river and rain flooding | 393 |
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 Stone 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.
- 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 Stone Park
Is Stone Park at risk for natural disasters?
On FEMA’s National Risk Index, Stone Park has higher expected damage per building than 94% of U.S. towns: D for hazard risk, #760 of 768 in Illinois. Most of the expected damage is river and rain flooding (94%). This is FEMA’s model of an average year for today’s buildings, not a forecast.
Does Stone Park flood?
Flood insurance has paid 393 claims in Stone Park since 1979, $6.4M in all, or 301.1 per 1,000 homes, more than 99% of U.S. towns with a flood insurance record. 96 properties have flooded more than once. The most claims came from Mid-spring storms (84).
Is Stone 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 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 Stone Park?
FEMA’s Community Rating System list shows no discount for Stone 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 Stone Park?
By FEMA money that reached Stone Park, Severe Storms and Flooding (2010): 245 households applied for aid, $949K approved. By flood claims, Mid-spring storms: 84 paid, $1.7M.
Is Stone Park at risk from river and rain flooding?
It is the largest share of the building damage FEMA expects here (94%), and Stone Park’s rate for it is in the top 2% of U.S. census tracts.
Storm stories
Memories, warnings and help from neighbors in Stone Park.
Sources: FEMA National Risk Index v1.20 (December 2025), census-tract table, combined by where Stone 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.