Throughout much of central Cook County including Chicago and nearby suburbs, very heavy rainfall caused widespread flash flooding of roadways and structures. During a 12-hour period from 3 AM to 3 PM CST, storm total rainfall in Cook County ranged from 1-9 inches, with the highest amounts in central Cook County near the border of Chicago, Cicero, and Oak Park. The magnitude of this rainfall ranged from typical to extreme, with the peak rainfall estimated to have less than a 0.2% chance of occurring in a given year. Two distinct waves of heavy rainfall occurred in the Chicago area during this event, with each period of heavy rainfall corresponding to significant flooding.
The first wave of heavy rainfall impacted the Chicago area from 4:30 AM to 11 AM CST. Within a few hours numerous residential streets were flooded and I-290 (Eisenhower Expressway) was blocked in multiple locations, as well as a stretch of I-55 (Stevenson Expressway) near Pulaski Road. Multiple water rescues were reported, most of which occurred at underpasses in Chicago and the immediate western suburbs. Runoff quickly entered the deep tunnel system and mostly filled McCook Reservoir, greatly reducing storage capacity for additional rainfall.
After a brief period with lighter rainfall intensities from 11 AM to 12:30 PM CST, the second wave of heavy began, which occurred until 3:30 PM CST. This additional rainfall brought renewed flooding of numerous roadways as well as portions of CTA's blue and pink El train lines. The storage capacity of the deep tunnel and McCook Reservoir were exceeded, with most rainfall flowing into the Chicago River system as part of a combined sewer overflow event. The Chicago River quickly rose to minor flood stage, flooding the Chicago Riverwalk. MWRD opened gates at Chicago Lock to reverse the flow of the river into Lake Michigan, causing a mixture of rainfall and untreated sewage to enter the lake. The lack of capacity to store combined rain water and sewage caused rainfall to back up into 10s of thousands of basements. As of November 29th, 2023, FEMA had received nearly 75,000 claims for flooded homes, the majority of which are assumed to be basement flooding. Approximately $285 million in FEMA individual assistance grants were provided, along with $96.5 million in low-interest SBA loans. These federal disaster assistance programs only cover a portion of uninsured losses. Few claims, less than $1 million in total, were made to the National Flood Insurance program due to the low percentage of residents paying for such polices and the cause of most instances of flooding being related to sewer backup. The estimated total damage costs from this flash flood event are likely in excess of $500 million.