On FEMA’s figures, Dorr Township faces less hazard damage per building than 96% of U.S. towns, mostly from river and rain flooding
On FEMA’s National Risk Index, Dorr Township gets an A+ for hazard risk: lower expected damage per building than 96% of U.S. towns, #6 of 768 in Illinois. Most of that expected damage is river and rain flooding (71%), then tornadoes (22%). Flood insurance has paid 11 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 Dorr 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 Dorr Township’s grade
River and rain flooding is 71% of the building damage FEMA expects in Dorr Township, and Dorr Township’s rate of river and rain flooding damage is lower than 87% of U.S. census tracts. Next is tornadoes at 22% (higher than 82% of U.S. census tracts).
A+ #6 of 768 in Illinois; lower expected damage per building than 96% of U.S. towns (21,298).
Dorr Township’s residents live in 5 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, Dorr Township has less expected damage per building than 99% of Illinois towns.
In dollars, FEMA expects about $6.7M a year in losses across Dorr Township: $3.7M to buildings, the rest to people and crops.
Does Dorr Township flood? Sometimes: 11 flood claims since 1979
Every paid claim on a federal flood insurance policy in Dorr Township, from FEMA’s records: 1.2 per 1,000 homes, fewer than 74% of the 13,809 U.S. towns with a flood insurance record.
- The Mid-spring storms2 claims · $5K
Dorr 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.1 federal disaster brought FEMA money to Dorr Township
Disasters that paid out in Dorr Township itself (aid to households or repair grants to Dorr Township), newest first, with that year’s flood claims.
- 1999Il-winter Storm 1/1/99$7K to Dorr Township for repairs
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.
Old photos of Dorr Township after a storm or flood belong in the town’s history. Add one, or share what you remember below.
Add to the Dorr Township archive →Dorr Township and its neighbors
Dorr Township has the lowest expected damage per building of the 7 graded towns here. Tap a town to see its hazards.
| Town | Hazard risk | Mostly (buildings) | Flood claims |
|---|---|---|---|
| Dorr Township | A+less damage than 96% | river and rain flooding | 11 |
| Woodstock | Aless damage than 93% | river and rain flooding | 14 |
| Greenwood Township | A−less damage than 82% | river and rain flooding | 3 |
| Crystal Lake | A−less damage than 81% | river and rain flooding | 22 |
| Grafton Township | Bless damage than 61% | river and rain flooding | 5 |
| Seneca Township | Bless damage than 57% | river and rain flooding | 3 |
| Nunda Township | Cmore damage than 74% | river and rain flooding | 228 |
| Ridgefield | — | 221 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 Dorr 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 Dorr Township
Is Dorr Township at risk for natural disasters?
On FEMA’s National Risk Index, Dorr Township has lower expected damage per building than 96% of U.S. towns: A+ for hazard risk, #6 of 768 in Illinois. Most of the expected damage is river and rain flooding (71%) and tornadoes (22%). This is FEMA’s model of an average year for today’s buildings, not a forecast.
Does Dorr Township flood?
Flood insurance has paid 11 claims in Dorr Township since 1979, $148K in all, or 1.2 per 1,000 homes, fewer than 74% of U.S. towns with a flood insurance record. The most claims came from Mid-spring storms (2).
Is Dorr 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 Dorr Township?
FEMA’s Community Rating System list shows no discount for Dorr 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 Dorr Township?
By FEMA money that reached Dorr Township, Il-winter Storm 1/1/99 (1999): $7K to Dorr Township for repairs. By flood claims, Mid-spring storms: 2 paid, $5K.
Is Dorr Township at risk from river and rain flooding?
It is the largest share of the building damage FEMA expects here (71%), and Dorr Township’s rate for it is lower than 87% of U.S. census tracts.
Storm stories
Memories, warnings and help from neighbors in Dorr Township.
Sources: FEMA National Risk Index v1.20 (December 2025), census-tract table, combined by where Dorr 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.