FEMA expects less hazard damage per building in Dry Grove Township than in 60% of U.S. towns, mostly from river and rain flooding
On FEMA’s National Risk Index, Dry Grove Township gets a B for hazard risk: lower expected damage per building than 60% of U.S. towns. Most of that expected damage is river and rain flooding (68%), then tornadoes (16%). Flood insurance has paid 3 claims here since 1981.
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 Dry Grove 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
Earthquakes
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 Dry Grove Township’s grade
River and rain flooding is 68% of the building damage FEMA expects in Dry Grove Township, and Dry Grove Township’s rate of river and rain flooding damage is lower than 52% of U.S. census tracts. Next is tornadoes at 16% (higher than 89% of U.S. census tracts).
B lower expected damage per building than 60% of U.S. towns (21,298).
Dry Grove Township’s residents live in 2 census tracts; FEMA’s figures are combined by where they live.
In dollars, FEMA expects about $855K a year in losses across Dry Grove Township: $494K to buildings, the rest to people and crops.
Does Dry Grove Township flood? Rarely: 3 flood claims since 1981
Every paid claim on a federal flood insurance policy in Dry Grove Township, from FEMA’s records: 5.6 per 1,000 homes, more than 62% of the 13,809 U.S. towns with a flood insurance record.
Dry Grove 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.3 federal disasters brought FEMA money to Dry Grove Township
Disasters that paid out in Dry Grove Township itself (aid to households or repair grants to Dry Grove Township), newest first, with that year’s flood claims.
- 2011Severe Winter Storm and Snowstorm$7K to Dry Grove Township for repairs
- 2000Illinois Winter Snow Storms$3K to Dry Grove Township for repairs
- 1999Il-winter Storm 1/1/99$5K to Dry Grove Township for repairs
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.
Old photos of Dry Grove Township after a storm or flood belong in the town’s history. Add one, or share what you remember below.
Add to the Dry Grove Township archive →Dry Grove Township and its neighbors
Dry Grove Township has the lowest expected damage per building of the 6 graded towns here. Tap a town to see its hazards.
| Town | Hazard risk | Mostly (buildings) | Flood claims |
|---|---|---|---|
| Dry Grove Township | Bless damage than 60% | river and rain flooding | 3 |
| Twin Grove | Bless damage than 59% | river and rain flooding | — |
| Bloomington | B−less damage than 53% | river and rain flooding | 35 |
| Bloomington City Township | B−less damage than 53% | river and rain flooding | 26 |
| Dale Township | B−more damage than 53% | river and rain flooding | — |
| Danvers Township | C+more damage than 60% | river and rain flooding | 1 |
| Normal Township | — | not graded yet | |
| White Oak Township | — | 780 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 Dry Grove 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.
- Drop, cover and hold on.
- Strap tall furniture and the water heater to the wall.
- Know how to shut off the gas.
- 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 Dry Grove Township
Is Dry Grove Township at risk for natural disasters?
On FEMA’s National Risk Index, Dry Grove Township has lower expected damage per building than 60% of U.S. towns: B for hazard risk. Most of the expected damage is river and rain flooding (68%) and tornadoes (16%). This is FEMA’s model of an average year for today’s buildings, not a forecast.
Does Dry Grove Township flood?
Flood insurance has paid 3 claims in Dry Grove Township since 1981, $3K in all, or 5.6 per 1,000 homes, more than 62% of U.S. towns with a flood insurance record.
Is Dry Grove 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 Dry Grove Township?
FEMA’s Community Rating System list shows no discount for Dry Grove 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 Dry Grove Township?
By FEMA money that reached Dry Grove Township, Severe Winter Storm and Snowstorm (2011): $7K to Dry Grove Township for repairs.
Is Dry Grove Township at risk from river and rain flooding?
It is the largest share of the building damage FEMA expects here (68%), and Dry Grove Township’s rate for it is lower than 52% of U.S. census tracts.
Storm stories
Memories, warnings and help from neighbors in Dry Grove Township.
Sources: FEMA National Risk Index v1.20 (December 2025), census-tract table, combined by where Dry Grove 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.