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B+Hazard risk
Natural hazards in Cherry Grove-Shannon Township · FEMA

On FEMA’s figures, Cherry Grove-Shannon Township faces less hazard damage per building than 73% of U.S. towns, mostly from river and rain flooding

On FEMA’s National Risk Index, Cherry Grove-Shannon Township gets a B+ for hazard risk: lower expected damage per building than 73% of U.S. towns. Most of that expected damage is river and rain flooding (61%), then tornadoes (15%). FEMA’s files show no paid flood insurance claims here.

River and rain flooding 61%Tornadoes 15%Strong wind 13%

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

less than 73%of U.S. townsLess damageMoreExpected yearly damage per dollar of building, vs. the 21,298 U.S. towns we grade
Hazard risk
B+
in Illinois · lower than 73% of U.S. towns
Main hazard
River and rain flooding
61% of expected building damage
Flood claims
0
paid since 1978 · $0
Disasters paid out here
0
of 13 declared for Carroll County
By hazard

What Cherry Grove-Shannon 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

61%of expected building damage
Below average · lower than 72% of U.S. census tracts
Recorded about once a year in the area

Tornadoes

15%of expected building damage
Well above average · higher than 84% of U.S. census tracts
Recorded about once every 15 years in the area

Strong wind

13%of expected building damage
Well above average · in the top 2% of U.S. census tracts
Recorded about 6 times a year in the area

Hail

8%of expected building damage
Well above average · higher than 87% of U.S. census tracts
Recorded about 4 times a year in the area
Smaller shares here
 Earthquakes Ice storms Wildfire Lightning Hurricanes Winter storms 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 12% of Cherry Grove-Shannon 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 Cherry Grove-Shannon Township’s grade

River and rain flooding is 61% of the building damage FEMA expects in Cherry Grove-Shannon Township, and Cherry Grove-Shannon Township’s rate of river and rain flooding damage is lower than 72% of U.S. census tracts. Strong wind adds 13%, at a rate in the top 2% of U.S. census tracts.

Where Cherry Grove-Shannon Township sits
Cherry Grove-Shannon Township
Least damageMiddleMost damage

B+ lower expected damage per building than 73% of U.S. towns (21,298).

All of Cherry Grove-Shannon Township’s residents live in one census tract; the figures are that tract’s.

What drives the damage to buildings
River and rain flooding61%Tornadoes15%Strong wind13%Everything else11%

In dollars, FEMA expects about $879K a year in losses across Cherry Grove-Shannon Township: $572K to buildings, the rest to people and crops.

Shared tract.All of Cherry Grove-Shannon Township’s 1,539 residents (2020 census) live in one census tract, which it shares with Lake Carroll CDP (852 residents) and Shannon village (801 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 Cherry Grove-Shannon Township flood? No paid flood claims on record

FEMA’s records show no paid flood insurance claims in Cherry Grove-Shannon Township. That’s not a promise: most homes don’t carry flood insurance, so small floods go unrecorded.

of homes in flood zones are insured
of all homes are insured
No community discount

Cherry Grove-Shannon 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: Carroll County.
Disasters

The storms Cherry Grove-Shannon Township remembers

None of the 13 disasters declared for Carroll County shows FEMA aid or repair money reaching Cherry Grove-Shannon Township itself in FEMA’s records, so these are its biggest flood-claim years.

Disasters declared, by decade
Paid out in Cherry Grove-Shannon TownshipCarroll County only

Carroll County has had 13 natural disasters declared by the President since 1953, most often floods, then winter storms. Not counted: the 2005 Hurricane Katrina evacuee emergency, which covered counties that took in evacuees.

Next door

Cherry Grove-Shannon Township and its neighbors

Cherry Grove-Shannon Township is 3rd of the 4 graded towns here, from least expected damage per building to most. Tap a town to see its hazards.

Freedom Township: not gradedRock Creek-Lima Township: hazard risk B+Forreston Township: hazard risk ALake Carroll: not gradedLoran Township: hazard risk AJefferson Township: not gradedFreedom TownshipRock Creek-Lima TownshipForreston TownshipLake CarrollLoran TownshipJefferson TownshipCherry Grove-Shannon Township
Lowest fifthSecondMiddleFourthHighest fifth
TownHazard riskMostly (buildings)Flood claims
Forreston TownshipAless damage than 93%river and rain flooding—
Loran TownshipAless damage than 85%river and rain flooding—
Cherry Grove-Shannon TownshipB+less damage than 73%river and rain flooding0
Rock Creek-Lima TownshipB+less damage than 72%river and rain flooding—
Freedom Township—672 residents; we grade 1,000+
Lake Carroll—853 residents; we grade 1,000+
Jefferson Township—157 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 Cherry Grove-Shannon 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 ↗
High winds
  • Trim dead limbs over the house and driveway.
  • Tie down trash cans and outdoor furniture.
  • Stay clear of downed lines and call the utility.
More from Ready.gov ↗
Hail
  • 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.
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 Cherry Grove-Shannon Township

Is Cherry Grove-Shannon Township at risk for natural disasters?

On FEMA’s National Risk Index, Cherry Grove-Shannon Township has lower expected damage per building than 73% of U.S. towns: B+ for hazard risk. Most of the expected damage is river and rain flooding (61%) and tornadoes (15%). 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.

Is Cherry Grove-Shannon 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 Carroll County, 6% of homes in mapped flood zones carry federal flood insurance, and 0.1% of all homes do.

How much is flood insurance in Cherry Grove-Shannon Township?

FEMA’s Community Rating System list shows no discount for Cherry Grove-Shannon Township’s flood program. Premiums depend on the building; policies usually start 30 days after you buy, so get a quote early.

Is Cherry Grove-Shannon Township at risk from river and rain flooding?

It is the largest share of the building damage FEMA expects here (61%), and Cherry Grove-Shannon Township’s rate for it is lower than 72% of U.S. census tracts.

Storm stories

Memories, warnings and help from neighbors in Cherry Grove-Shannon Township.

Town Square →
Start the conversation

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