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CHazard risk
Natural hazards in Cazenovia Township · FEMA

FEMA puts Cazenovia Township’s expected hazard damage per building above that of 72% of U.S. towns, mostly from river and rain flooding

On FEMA’s National Risk Index, Cazenovia Township gets a C for hazard risk: higher expected damage per building than 72% of U.S. towns. Most of that expected damage is river and rain flooding (87%). Flood insurance has paid 8 claims here since 2013.

River and rain flooding 87%Tornadoes 6%Earthquakes 3%

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

more than 72%of U.S. townsLess damageMoreExpected yearly damage per dollar of building, vs. the 21,298 U.S. towns we grade
Hazard risk
C
in Illinois · higher than 72% of U.S. towns
Main hazard
River and rain flooding
87% of expected building damage
Flood claims
8
paid since 2013 · $213K
Flood claims per home
11 per 1,000
more than 75% of U.S. towns
By hazard

What Cazenovia 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

87%of expected building damage
Well above average · higher than 83% of U.S. census tracts
Recorded about once a year in the area

Tornadoes

6%of expected building damage
Above average · higher than 72% of U.S. census tracts
Recorded about once every 9 years in the area
Smaller shares here
 Earthquakes Strong wind Hail Ice storms Winter storms Lightning Hurricanes Wildfire Cold waves Heat waves Landslides
FEMA models no building damage here
Coastal floodingAvalanchesTsunamisVolcanic activity
People, not buildings.Counting harm to people as well as buildings, FEMA’s model puts cold waves at 13% of Cazenovia Township’s expected losses. Cold waves do little damage to buildings (0.0%), so they aren’t part of the grade.

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.

Flood risk changes street by street. Check a specific address on FEMA’s flood map, and ask about flood insurance before you buy.
Hazard risk grade

What’s behind Cazenovia Township’s grade

River and rain flooding is 87% of the building damage FEMA expects in Cazenovia Township, and Cazenovia Township’s rate of river and rain flooding damage is higher than 83% of U.S. census tracts. Next is tornadoes at 6% (higher than 72% of U.S. census tracts).

Where Cazenovia Township sits
Cazenovia Township
Least damageMiddleMost damage

C higher expected damage per building than 72% of U.S. towns (21,298).

All of Cazenovia Township’s residents live in one census tract; the figures are that tract’s.

What drives the damage to buildings
River and rain flooding87%Tornadoes6%Everything else6%

In dollars, FEMA expects about $1.3M a year in losses across Cazenovia Township: $865K to buildings, the rest to people and crops.

Shared tract.All of Cazenovia Township’s 1,676 residents (2020 census) live in one census tract, which it shares with Linn township (265 residents) and Lowpoint CDP (148 residents). FEMA publishes its model by tract, so the rate and the hazard mix are the tract’s, the same for all of them. The flood claims below are the township’s own.
A shared figure. The grade describes the whole tract, not each street in it, and FEMA’s model is an average year for today’s buildings, not a record: the claims below are the record.

How TownRatings grades hazard risk →

Flood insurance claims

Does Cazenovia Township flood? Rarely: 8 flood claims since 2013

Every paid claim on a federal flood insurance policy in Cazenovia Township, from FEMA’s records: 10.7 per 1,000 homes, more than 75% of the 13,809 U.S. towns with a flood insurance record.

Paid flood claims, by year
2013: 5 claims2014: 0 claims2015: 0 claims2016: 0 claims2017: 2 claims2018: 0 claims2019: 1 claim2020: 0 claims2021: 0 claims2022: 0 claims2023: 0 claims2024: 0 claims2025: 0 claims2026: 0 claims201320172019
20132026
Biggest named events
  • The Mid-spring storms5 claims · $36K
8
paid claims since 2013
$213K
paid to owners
0
homes flooded more than once
$27K
average claim
of homes in flood zones are insured
of all homes are insured
No community discount

Cazenovia 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: Woodford County.
Disasters

The storms Cazenovia Township remembers

None of the 11 disasters declared for Woodford County shows FEMA aid or repair money reaching Cazenovia Township itself in FEMA’s records, so these are its biggest flood-claim years.

  1. 20135 flood claims paidThe year of Severe Storms, Straight-line Winds, and Tornadoes, declared for Woodford County
  2. 20172 flood claims paidNo declaration for the county that year
  3. 20191 flood claims paidNo declaration for the county that year
Disasters declared, by decade
Paid out in Cazenovia TownshipWoodford County only

Woodford County has had 11 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.

Were you here?

Old photos of Cazenovia Township after a storm or flood belong in the town’s history. Add one, or share what you remember below.

Add to the Cazenovia Township archive →
Next door

Cazenovia Township and its neighbors

Cazenovia Township has the lowest expected damage per building of the 1 graded towns here. Tap a town to see its hazards.

Richland Township: not gradedMetamora Township: not gradedLinn Township: not gradedPartridge Township: not gradedRichland TownshipMetamora TownshipLinn TownshipPartridge TownshipCazenovia Township
Lowest fifthSecondMiddleFourthHighest fifth
TownHazard riskMostly (buildings)Flood claims
Cazenovia TownshipCmore damage than 72%river and rain flooding8
Richland Township—337 residents; we grade 1,000+
Metamora Township—not graded yet
Linn Township—299 residents; we grade 1,000+
Partridge Township—616 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.

Be ready

Get ready for what Cazenovia 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.

When the river rises
  • 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.
More from Ready.gov ↗
Tornado warnings
  • 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.
More from Ready.gov ↗
Before you buy or rent
  • 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.
When a storm is coming
Forecast and alertsWeather →911, the nearest ERSafety →

Know where neighbors sign up for alerts? Add it to the Handbook so everyone has it.

Questions about natural hazards in Cazenovia Township

Is Cazenovia Township at risk for natural disasters?

On FEMA’s National Risk Index, Cazenovia Township has higher expected damage per building than 72% of U.S. towns: C for hazard risk. Most of the expected damage is river and rain flooding (87%) and tornadoes (6%). The figures are for the one census tract the town shares with its neighbors. This is FEMA’s model of an average year for today’s buildings, not a forecast.

Does Cazenovia Township flood?

Flood insurance has paid 8 claims in Cazenovia Township since 2013, $213K in all, or 10.7 per 1,000 homes, more than 75% of U.S. towns with a flood insurance record. The most claims came from Mid-spring storms (5).

Is Cazenovia 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 Woodford County, 21% of homes in mapped flood zones carry federal flood insurance, and 0.6% of all homes do.

How much is flood insurance in Cazenovia Township?

FEMA’s Community Rating System list shows no discount for Cazenovia 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 Cazenovia Township?

By flood claims, Mid-spring storms: 5 paid, $36K.

Is Cazenovia Township at risk from river and rain flooding?

It is the largest share of the building damage FEMA expects here (87%), and Cazenovia Township’s rate for it is higher than 83% of U.S. census tracts.

Storm stories

Memories, warnings and help from neighbors in Cazenovia Township.

Town Square →
Start the conversation

Sources: FEMA National Risk Index v1.20 (December 2025), census-tract table, combined by where Cazenovia 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.