Photo: Dual Freq · CC BY 2.5FEMA puts Camargo Township’s expected hazard damage per building above that of 95% of U.S. towns, mostly from river and rain flooding
On FEMA’s National Risk Index, Camargo Township gets a D− for hazard risk: higher expected damage per building than 95% of U.S. towns, #763 of 768 in Illinois. Most of that expected damage is river and rain flooding (67%), then hail (24%). Flood insurance has paid 100 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 Camargo Township’s natural hazards
From FEMA’s model and FEMA’s records, below.
What Camargo 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
Hail
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 Camargo Township’s grade
River and rain flooding is 67% of the building damage FEMA expects in Camargo Township, and Camargo Township’s rate of river and rain flooding damage is in the top 4% of U.S. census tracts. Hail adds 24%, at a rate in the top 1% of U.S. census tracts.
D− #763 of 768 in Illinois; higher expected damage per building than 95% of U.S. towns (21,298).
Camargo Township’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, Camargo Township has more expected damage per building than 99% of Illinois towns.
In dollars, FEMA expects about $3.6M a year in losses across Camargo Township: $2.5M to buildings, the rest to people and crops.
Does Camargo Township flood? Yes: 100 flood claims since 1979
Every paid claim on a federal flood insurance policy in Camargo Township, from FEMA’s records: 60.7 per 1,000 homes, more than 94% of the 13,809 U.S. towns with a flood insurance record.
- The Mid-spring storms20 claims · $191K
- The Early winter storms17 claims · $155K
Camargo 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: Douglas County.1 federal disaster brought FEMA money to Camargo Township
Disasters that paid out in Camargo Township itself (aid to households or repair grants to Camargo Township), newest first, with that year’s flood claims.
- 2008Severe Storms and Flooding$37K to Camargo Township for repairs8 flood claims paid that year
Douglas County has had 10 natural disasters declared by the President since 1953, most often severe storms, then winter storms. Not counted: the 2005 Hurricane Katrina evacuee emergency, which covered counties that took in evacuees.
Old photos of Camargo Township after a storm or flood belong in the town’s history. Add one, or share what you remember below.
Add to the Camargo Township archive →Camargo Township and its neighbors
Camargo Township has the lowest expected damage per building of the 1 graded towns here. Tap a town to see its hazards.
| Town | Hazard risk | Mostly (buildings) | Flood claims |
|---|---|---|---|
| Camargo Township | D−more damage than 95% | river and rain flooding | 100 |
| Bowdre Township | — | 656 residents; we grade 1,000+ | |
| Tuscola Township | — | not graded yet | |
| Murdock Township | — | 303 residents; we grade 1,000+ | |
| Crittenden Township | — | 347 residents; we grade 1,000+ | |
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 Camargo 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.
- Park in a garage or under cover when storms are forecast.
- Stay away from windows while it falls.
- Photograph roof and car damage for your insurer.
- 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 Camargo Township
Is Camargo Township at risk for natural disasters?
On FEMA’s National Risk Index, Camargo Township has higher expected damage per building than 95% of U.S. towns: D− for hazard risk, #763 of 768 in Illinois. Most of the expected damage is river and rain flooding (67%) and hail (24%). This is FEMA’s model of an average year for today’s buildings, not a forecast.
Does Camargo Township flood?
Flood insurance has paid 100 claims in Camargo Township since 1979, $739K in all, or 60.7 per 1,000 homes, more than 94% of U.S. towns with a flood insurance record. The most claims came from Mid-spring storms (20).
Is Camargo 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 Douglas County, 13% of homes in mapped flood zones carry federal flood insurance, and 1.2% of all homes do.
How much is flood insurance in Camargo Township?
FEMA’s Community Rating System list shows no discount for Camargo Township’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 Camargo Township?
By FEMA money that reached Camargo Township, Severe Storms and Flooding (2008): $37K to Camargo Township for repairs. By flood claims, Mid-spring storms: 20 paid, $191K.
Is Camargo Township at risk from river and rain flooding?
It is the largest share of the building damage FEMA expects here (67%), and Camargo Township’s rate for it is in the top 4% of U.S. census tracts.
Storm stories
Memories, warnings and help from neighbors in Camargo Township.
Sources: FEMA National Risk Index v1.20 (December 2025), census-tract table, combined by where Camargo 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.