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C+Hazard risk
Natural hazards in Danvers Township · FEMA

FEMA puts Danvers Township’s expected hazard damage per building above that of 60% of U.S. towns, mostly from river and rain flooding

On FEMA’s National Risk Index, Danvers Township gets a C+ for hazard risk: higher expected damage per building than 60% of U.S. towns. Most of that expected damage is river and rain flooding (78%), then tornadoes (12%). Flood insurance has paid 1 claim here since 2006.

River and rain flooding 78%Tornadoes 12%Hail 4%

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 60%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 60% of U.S. towns
Main hazard
River and rain flooding
78% of expected building damage
Flood claims
1
paid since 2006 · $8K
Disasters paid out here
1
of 8 declared for McLean County
By hazard

What Danvers 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

78%of expected building damage
Above average · higher than 71% of U.S. census tracts
Recorded about once a year in the area

Tornadoes

12%of expected building damage
Well above average · higher than 89% of U.S. census tracts
Recorded about once every 11 years in the area
Smaller shares here
 Hail Earthquakes Strong wind Ice storms Winter storms Lightning Hurricanes Wildfire Cold waves Heat waves top 3% 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 29% of Danvers 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 Danvers Township’s grade

River and rain flooding is 78% of the building damage FEMA expects in Danvers Township, and Danvers Township’s rate of river and rain flooding damage is higher than 71% of U.S. census tracts. Next is tornadoes at 12% (higher than 89% of U.S. census tracts).

Where Danvers Township sits
Danvers Township
Least damageMiddleMost damage

C+ higher expected damage per building than 60% of U.S. towns (21,298).

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

What drives the damage to buildings
River and rain flooding78%Tornadoes12%Hail4%Everything else6%

In dollars, FEMA expects about $982K a year in losses across Danvers Township: $470K to buildings, the rest to people and crops.

Shared tract.All of Danvers Township’s 1,853 residents (2020 census) live in one census tract, which it shares with Danvers village (1,089 residents) and White Oak township (914 residents) and Carlock village (548 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 Danvers Township flood? Rarely: 1 flood claim since 2006

Every paid claim on a federal flood insurance policy in Danvers Township, from FEMA’s records: 1.4 per 1,000 homes, fewer than 70% of the 13,809 U.S. towns with a flood insurance record.

Paid flood claims, by year
2006: 1 claim2007: 0 claims2008: 0 claims2009: 0 claims2010: 0 claims2011: 0 claims2012: 0 claims2013: 0 claims2014: 0 claims2015: 0 claims2016: 0 claims2017: 0 claims2018: 0 claims2019: 0 claims2020: 0 claims2021: 0 claims2022: 0 claims2023: 0 claims2024: 0 claims2025: 0 claims2026: 0 claims2006
20062026
1
paid claims since 2006
$8K
paid to owners
0
homes flooded more than once
$8K
average claim
of homes in flood zones are insured
of all homes are insured
No community discount

Danvers 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: McLean County.
Disasters

1 federal disaster brought FEMA money to Danvers Township

Disasters that paid out in Danvers Township itself (aid to households or repair grants to Danvers Township), newest first, with that year’s flood claims.

  1. 2011Severe Winter Storm and Snowstorm$9K to Danvers Township for repairs
Disasters declared, by decade
Paid out in Danvers TownshipMcLean County only

McLean County has had 8 natural disasters declared by the President since 1953, most often winter storms, then severe storms. Not counted: the 2005 Hurricane Katrina evacuee emergency, which covered counties that took in evacuees.

Were you here?

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

Add to the Danvers Township archive →
Next door

Danvers Township and its neighbors

Danvers Township is 4th of the 4 graded towns here, from least expected damage per building to most. Tap a town to see its hazards.

Montgomery Township: hazard risk B−Mackinaw Township: hazard risk B−Allin Township: not gradedDry Grove Township: hazard risk BMontgomery TownshipMackinaw TownshipAllin TownshipDry Grove TownshipDanvers Township
Lowest fifthSecondMiddleFourthHighest fifth
TownHazard riskMostly (buildings)Flood claims
Dry Grove TownshipBless damage than 60%river and rain flooding3
Mackinaw TownshipB−more damage than 54%river and rain flooding3
Montgomery TownshipB−more damage than 54%river and rain flooding1
Danvers TownshipC+more damage than 60%river and rain flooding1
Allin Township—812 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 Danvers 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 Danvers Township

Is Danvers Township at risk for natural disasters?

On FEMA’s National Risk Index, Danvers Township has higher expected damage per building than 60% of U.S. towns: C+ for hazard risk. Most of the expected damage is river and rain flooding (78%) and tornadoes (12%). 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 Danvers Township flood?

Flood insurance has paid 1 claim in Danvers Township since 2006, $8K in all, or 1.4 per 1,000 homes, fewer than 70% of U.S. towns with a flood insurance record.

Is Danvers 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 McLean County, 13% of homes in mapped flood zones carry federal flood insurance, and 0.2% of all homes do.

How much is flood insurance in Danvers Township?

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

By FEMA money that reached Danvers Township, Severe Winter Storm and Snowstorm (2011): $9K to Danvers Township for repairs.

Is Danvers Township at risk from river and rain flooding?

It is the largest share of the building damage FEMA expects here (78%), and Danvers Township’s rate for it is higher than 71% of U.S. census tracts.

Storm stories

Memories, warnings and help from neighbors in Danvers Township.

Town Square →
Start the conversation

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