On FEMA’s figures, Coral Township faces about as much hazard damage per building as the typical U.S. town, mostly from river and rain flooding
On FEMA’s National Risk Index, Coral Township gets a B− for hazard risk: lower expected damage per building than 51% of U.S. towns, #322 of 768 in Illinois. Most of that expected damage is river and rain flooding (86%), then tornadoes (12%). 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 Coral 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 Coral Township’s grade
River and rain flooding is 86% of the building damage FEMA expects in Coral Township, and Coral Township’s rate of river and rain flooding damage is higher than 69% of U.S. census tracts. Next is tornadoes at 12% (higher than 83% of U.S. census tracts).
B− #322 of 768 in Illinois; lower expected damage per building than 51% of U.S. towns (21,298).
Coral 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, Coral Township has less expected damage per building than 58% of Illinois towns.
In dollars, FEMA expects about $2.3M a year in losses across Coral Township: $1.8M to buildings, the rest to people and crops.
Does Coral Township flood? No paid flood claims on record
FEMA’s records show no paid flood insurance claims in Coral Township. That’s not a promise: most homes don’t carry flood insurance, so small floods go unrecorded.
Coral 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: McHenry County.The storms Coral Township remembers
None of the 13 disasters declared for McHenry County shows FEMA aid or repair money reaching Coral Township itself in FEMA’s records, so these are its biggest flood-claim years.
McHenry County has had 13 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.
Coral Township and its neighbors
Coral Township is 6th of the 6 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 |
|---|---|---|---|
| Hampshire | A−less damage than 78% | river and rain flooding | 5 |
| Riley Township | A−less damage than 76% | river and rain flooding | 1 |
| Grafton Township | Bless damage than 61% | river and rain flooding | 5 |
| Seneca Township | Bless damage than 57% | river and rain flooding | 3 |
| Huntley | B−less damage than 54% | river and rain flooding | 2 |
| Coral Township | B−less damage than 51% | river and rain flooding | 0 |
| Hampshire Township | — | not graded yet | |
| Harmony | — | 0 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 Coral 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 Coral Township
Is Coral Township at risk for natural disasters?
On FEMA’s National Risk Index, Coral Township has lower expected damage per building than 51% of U.S. towns: B− for hazard risk, #322 of 768 in Illinois. Most of the expected damage is river and rain flooding (86%) and tornadoes (12%). This is FEMA’s model of an average year for today’s buildings, not a forecast.
Is Coral 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 McHenry County, 19% of homes in mapped flood zones carry federal flood insurance, and 0.7% of all homes do.
How much is flood insurance in Coral Township?
FEMA’s Community Rating System list shows no discount for Coral Township’s flood program. Premiums depend on the building; policies usually start 30 days after you buy, so get a quote early.
Is Coral Township at risk from river and rain flooding?
It is the largest share of the building damage FEMA expects here (86%), and Coral Township’s rate for it is higher than 69% of U.S. census tracts.
Storm stories
Memories, warnings and help from neighbors in Coral Township.
Sources: FEMA National Risk Index v1.20 (December 2025), census-tract table, combined by where Coral 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.