Photo: G LeTourneau · CC BY-SA 3.0On FEMA’s figures, Villa Park faces less hazard damage per building than 74% of U.S. towns, mostly from river and rain flooding
On FEMA’s National Risk Index, Villa Park gets a B+ for hazard risk: lower expected damage per building than 74% of U.S. towns, #119 of 768 in Illinois. Most of that expected damage is river and rain flooding (83%), then tornadoes (13%). Flood insurance has paid 51 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 Villa Park’s natural hazards
From FEMA’s model and FEMA’s records, below.
What Villa 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 Villa Park’s grade
River and rain flooding is 83% of the building damage FEMA expects in Villa Park, and Villa Park’s rate of river and rain flooding damage is lower than 51% of U.S. census tracts. Next is tornadoes at 13% (higher than 75% of U.S. census tracts).
B+ #119 of 768 in Illinois; lower expected damage per building than 74% of U.S. towns (21,298).
Villa Park’s residents live in 10 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, Villa Park has less expected damage per building than 85% of Illinois towns.
In dollars, FEMA expects about $6.9M a year in losses across Villa Park: $3.7M to buildings, the rest to people and crops.
Does Villa Park flood? Sometimes: 51 flood claims since 1979
Every paid claim on a federal flood insurance policy in Villa Park, from FEMA’s records: 5.8 per 1,000 homes, more than 63% of the 13,809 U.S. towns with a flood insurance record.
- The Mid-spring storms7 claims · $138K
- Hurricane Ike4 claims · $15K
Villa 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: DuPage County.6 federal disasters brought FEMA money to Villa Park
Disasters that paid out in Villa Park itself (aid to households or repair grants to the Village of Villa Park), newest first, with that year’s flood claims.
- 2013Severe Storms, Straight-line Winds, and Flooding408 households applied for aid$814K aid approved$57K to the Village of Villa Park for repairs7 flood claims paid that year
- 2011Severe Winter Storm and Snowstorm$41K to the Village of Villa Park for repairs
- 2010Severe Storms and Flooding318 households applied for aid$661K aid approved3 flood claims paid that year
- 2008Severe Storms and Flooding40 households applied for aid$67K aid approved$60K to the Village of Villa Park for repairs4 flood claims paid that year
- 2000Illinois Winter Snow Storms$28K to the Village of Villa Park for repairs
- 1999Il-winter Storm 1/1/99$28K to the Village of Villa Park for repairs
DuPage County has had 13 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 Villa Park after a storm or flood belong in the town’s history. Add one, or share what you remember below.
Add to the Villa Park archive →Villa Park and its neighbors
Villa Park 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 |
|---|---|---|---|
| Oakbrook Terrace | Aless damage than 86% | river and rain flooding | 12 |
| Addison | A−less damage than 78% | river and rain flooding | 475 |
| Villa Park | B+less damage than 74% | river and rain flooding | 51 |
| Lombard | B+less damage than 68% | river and rain flooding | 94 |
| Addison Township | B+less damage than 66% | river and rain flooding | 845 |
| York Township | Bless damage than 60% | river and rain flooding | 516 |
| Elmhurst | Cmore damage than 67% | river and rain flooding | 248 |
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 Villa 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 Villa Park
Is Villa Park at risk for natural disasters?
On FEMA’s National Risk Index, Villa Park has lower expected damage per building than 74% of U.S. towns: B+ for hazard risk, #119 of 768 in Illinois. Most of the expected damage is river and rain flooding (83%) and tornadoes (13%). This is FEMA’s model of an average year for today’s buildings, not a forecast.
Does Villa Park flood?
Flood insurance has paid 51 claims in Villa Park since 1979, $1.1M in all, or 5.8 per 1,000 homes, more than 63% of U.S. towns with a flood insurance record. 4 properties have flooded more than once. The most claims came from Mid-spring storms (7).
Is Villa 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 DuPage County, 41% of homes in mapped flood zones carry federal flood insurance, and 0.6% of all homes do.
How much is flood insurance in Villa Park?
FEMA’s Community Rating System list shows no discount for Villa 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 Villa Park?
By FEMA money that reached Villa Park, Severe Storms, Straight-line Winds, and Flooding (2013): 408 households applied for aid, $814K approved, and $57K to the Village of Villa Park for repairs. By flood claims, Mid-spring storms: 7 paid, $138K.
Is Villa Park at risk from river and rain flooding?
It is the largest share of the building damage FEMA expects here (83%), and Villa Park’s rate for it is lower than 51% of U.S. census tracts.
Storm stories
Memories, warnings and help from neighbors in Villa Park.
Sources: FEMA National Risk Index v1.20 (December 2025), census-tract table, combined by where Villa 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.