Photo: Ben Jacobson (Kranar Drogin) · CC BY 2.5On FEMA’s figures, Byron Township faces more hazard damage per building than 79% of U.S. towns, mostly from river and rain flooding
On FEMA’s National Risk Index, Byron Township gets a C− for hazard risk: higher expected damage per building than 79% of U.S. towns, #641 of 768 in Illinois. Most of that expected damage is river and rain flooding (85%). 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 Byron 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 Byron Township’s grade
River and rain flooding is 85% of the building damage FEMA expects in Byron Township, and Byron Township’s rate of river and rain flooding damage is higher than 87% of U.S. census tracts. Next is tornadoes at 8% (higher than 82% of U.S. census tracts).
C− #641 of 768 in Illinois; higher expected damage per building than 79% of U.S. towns (21,298).
Byron Township’s residents live in 3 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, Byron Township has more expected damage per building than 83% of Illinois towns.
In dollars, FEMA expects about $6.2M a year in losses across Byron Township: $5.0M to buildings, the rest to people and crops.
Does Byron Township flood? No paid flood claims on record
FEMA’s records show no paid flood insurance claims in Byron Township. That’s not a promise: most homes don’t carry flood insurance, so small floods go unrecorded.
Byron 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: Ogle County.The storms Byron Township remembers
None of the 11 disasters declared for Ogle County shows FEMA aid or repair money reaching Byron Township itself in FEMA’s records, so these are its biggest flood-claim years.
Ogle County has had 11 natural disasters declared by the President since 1953, most often winter storms, then floods. Not counted: the 2005 Hurricane Katrina evacuee emergency, which covered counties that took in evacuees.
Byron Township and its neighbors
Byron Township is 5th of the 5 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 |
|---|---|---|---|
| Winnebago Township | Aless damage than 85% | river and rain flooding | 2 |
| Marion Township | C+more damage than 62% | river and rain flooding | 33 |
| Leaf River Township | C+more damage than 63% | river and rain flooding | 44 |
| Rockvale Township | Cmore damage than 69% | river and rain flooding | — |
| Byron Township | C−more damage than 79% | river and rain flooding | 0 |
| Rockford Township | — | not graded yet | |
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 Byron 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 Byron Township
Is Byron Township at risk for natural disasters?
On FEMA’s National Risk Index, Byron Township has higher expected damage per building than 79% of U.S. towns: C− for hazard risk, #641 of 768 in Illinois. Most of the expected damage is river and rain flooding (85%) and tornadoes (8%). This is FEMA’s model of an average year for today’s buildings, not a forecast.
Is Byron 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 Ogle County, 26% of homes in mapped flood zones carry federal flood insurance, and 0.8% of all homes do.
How much is flood insurance in Byron Township?
FEMA’s Community Rating System list shows no discount for Byron Township’s flood program. Premiums depend on the building; policies usually start 30 days after you buy, so get a quote early.
Is Byron Township at risk from river and rain flooding?
It is the largest share of the building damage FEMA expects here (85%), and Byron Township’s rate for it is higher than 87% of U.S. census tracts.
Storm stories
Memories, warnings and help from neighbors in Byron Township.
Sources: FEMA National Risk Index v1.20 (December 2025), census-tract table, combined by where Byron 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.