FEMA expects about as much hazard damage per building in Crete Township as in the typical U.S. town, mostly from river and rain flooding
On FEMA’s National Risk Index, Crete Township gets a B− for hazard risk: lower expected damage per building than 54% of U.S. towns, #292 of 768 in Illinois. Most of that expected damage is river and rain flooding (85%), then tornadoes (12%). Flood insurance has paid 37 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 Crete 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 Crete Township’s grade
River and rain flooding is 85% of the building damage FEMA expects in Crete Township, and Crete Township’s rate of river and rain flooding damage is higher than 66% of U.S. census tracts. Next is tornadoes at 12% (higher than 85% of U.S. census tracts).
B− #292 of 768 in Illinois; lower expected damage per building than 54% of U.S. towns (21,298).
Crete Township’s residents live in 8 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, Crete Township has less expected damage per building than 62% of Illinois towns.
In dollars, FEMA expects about $12.7M a year in losses across Crete Township: $8.3M to buildings, the rest to people and crops.
Does Crete Township flood? Sometimes: 37 flood claims since 1979
Every paid claim on a federal flood insurance policy in Crete Township, from FEMA’s records: 3.5 per 1,000 homes, more than 52% of the 13,809 U.S. towns with a flood insurance record.
- Hurricane Ike3 claims · $89K
- The Mid-spring storms1 claim · $6K
Crete 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: Will County.1 federal disaster brought FEMA money to Crete Township
Disasters that paid out in Crete Township itself (aid to households or repair grants to Crete Township), newest first, with that year’s flood claims.
- 2008Severe Storms and Flooding$8K to Crete Township for repairs4 flood claims paid that year
Will County has had 16 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.
Old photos of Crete Township after a storm or flood belong in the town’s history. Add one, or share what you remember below.
Add to the Crete Township archive →Crete Township and its neighbors
Crete Township is 6th of the 9 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 |
|---|---|---|---|
| Steger | B+less damage than 74% | river and rain flooding | 13 |
| Hanover Township | B+less damage than 72% | river and rain flooding | 2 |
| Crete | Bless damage than 60% | river and rain flooding | 13 |
| St. John Township | Bless damage than 56% | river and rain flooding | 77 |
| Washington Township | Bless damage than 55% | river and rain flooding | 2 |
| Crete Township | B−less damage than 54% | river and rain flooding | 37 |
| Monee Township | B−more damage than 51% | river and rain flooding | 2 |
| Bloom Township | Cmore damage than 66% | river and rain flooding | 238 |
| Willowbrook | C−more damage than 82% | river and rain flooding | — |
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 Crete 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 Crete Township
Is Crete Township at risk for natural disasters?
On FEMA’s National Risk Index, Crete Township has lower expected damage per building than 54% of U.S. towns: B− for hazard risk, #292 of 768 in Illinois. Most of the expected damage is river and rain flooding (85%) and tornadoes (12%). This is FEMA’s model of an average year for today’s buildings, not a forecast.
Does Crete Township flood?
Flood insurance has paid 37 claims in Crete Township since 1979, $702K in all, or 3.5 per 1,000 homes, more than 52% of U.S. towns with a flood insurance record. The most claims came from Hurricane Ike (3).
Is Crete 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 Will County, 23% of homes in mapped flood zones carry federal flood insurance, and 0.5% of all homes do.
How much is flood insurance in Crete Township?
FEMA’s Community Rating System list shows no discount for Crete 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 Crete Township?
By FEMA money that reached Crete Township, Severe Storms and Flooding (2008): $8K to Crete Township for repairs. By flood claims, Hurricane Ike: 3 paid, $89K.
Is Crete Township at risk from river and rain flooding?
It is the largest share of the building damage FEMA expects here (85%), and Crete Township’s rate for it is higher than 66% of U.S. census tracts.
Storm stories
Memories, warnings and help from neighbors in Crete Township.
Sources: FEMA National Risk Index v1.20 (December 2025), census-tract table, combined by where Crete 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.