Less hazard damage per building is expected in Volo than in 66% of U.S. towns, mostly from river and rain flooding
On FEMA’s National Risk Index, Volo gets a B+ for hazard risk: lower expected damage per building than 66% of U.S. towns, #174 of 768 in Illinois. Most of that expected damage is river and rain flooding (86%), then tornadoes (10%). FEMA’s files show no paid flood insurance claims here.
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 Volo 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 Volo’s grade
River and rain flooding is 86% of the building damage FEMA expects in Volo, and Volo’s rate of river and rain flooding damage is higher than 58% of U.S. census tracts. Next is tornadoes at 10% (higher than 72% of U.S. census tracts).
B+ #174 of 768 in Illinois; lower expected damage per building than 66% of U.S. towns (21,298).
Volo’s residents live in 4 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, Volo has less expected damage per building than 77% of Illinois towns.
In dollars, FEMA expects about $2.6M a year in losses across Volo: $1.8M to buildings, the rest to people and crops.
Does Volo flood? No paid flood claims on record
FEMA’s records show no paid flood insurance claims in Volo. That’s not a promise: most homes don’t carry flood insurance, so small floods go unrecorded.
Volo isn’t in FEMA’s Community Rating System, which cuts flood insurance up to 45% in towns that do extra flood-proofing.
Insurance rates: Lake County.The storms Volo remembers
None of the 14 disasters declared for Lake County shows FEMA aid or repair money reaching Volo itself in FEMA’s records, so these are its biggest flood-claim years.
Lake County has had 14 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.
Volo and its neighbors
Volo has the lowest expected damage per building of the 6 graded towns here. Tap a town to see its hazards.
| Town | Hazard risk | Mostly (buildings) | Flood claims |
|---|---|---|---|
| Volo | B+less damage than 66% | river and rain flooding | 0 |
| Round Lake | Bless damage than 59% | river and rain flooding | 9 |
| Wauconda Township | B−less damage than 55% | river and rain flooding | 31 |
| Grant Township | C−more damage than 76% | river and rain flooding | 277 |
| Lakemoor | C−more damage than 81% | river and rain flooding | 5 |
| Fox Lake | Dmore damage than 86% | river and rain flooding | 259 |
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 Volo 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 Volo
Is Volo at risk for natural disasters?
On FEMA’s National Risk Index, Volo has lower expected damage per building than 66% of U.S. towns: B+ for hazard risk, #174 of 768 in Illinois. Most of the expected damage is river and rain flooding (86%) and tornadoes (10%). This is FEMA’s model of an average year for today’s buildings, not a forecast.
Is Volo 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 Lake County, 24% of homes in mapped flood zones carry federal flood insurance, and 0.8% of all homes do.
How much is flood insurance in Volo?
FEMA’s Community Rating System list shows no discount for Volo’s flood program. Premiums depend on the building; policies usually start 30 days after you buy, so get a quote early.
Is Volo at risk from river and rain flooding?
It is the largest share of the building damage FEMA expects here (86%), and Volo’s rate for it is higher than 58% of U.S. census tracts.
Storm stories
Memories, warnings and help from neighbors in Volo.
Sources: FEMA National Risk Index v1.20 (December 2025), census-tract table, combined by where Volo’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.