Less hazard damage per building is expected in Dunleith Township than in 68% of U.S. towns, mostly from river and rain flooding
On FEMA’s National Risk Index, Dunleith Township gets a B+ for hazard risk: lower expected damage per building than 68% of U.S. towns, #163 of 768 in Illinois. Most of that expected damage is river and rain flooding (68%), then tornadoes (16%). 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 Dunleith 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
Hail
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 Dunleith Township’s grade
River and rain flooding is 68% of the building damage FEMA expects in Dunleith Township, and Dunleith Township’s rate of river and rain flooding damage is lower than 60% of U.S. census tracts. Next is tornadoes at 16% (higher than 89% of U.S. census tracts).
B+ #163 of 768 in Illinois; lower expected damage per building than 68% of U.S. towns (21,298).
All of Dunleith Township’s residents live in one census tract; the figures are that tract’s.
The typical Illinois town has higher expected damage than 54% of U.S. towns; within the state, Dunleith Township has less expected damage per building than 79% of Illinois towns.
In dollars, FEMA expects about $1.7M a year in losses across Dunleith Township: $1.0M to buildings, the rest to people and crops.
Does Dunleith Township flood? No paid flood claims on record
FEMA’s records show no paid flood insurance claims in Dunleith Township. That’s not a promise: most homes don’t carry flood insurance, so small floods go unrecorded.
Dunleith 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: Jo Daviess County.The storms Dunleith Township remembers
None of the 13 disasters declared for Jo Daviess County shows FEMA aid or repair money reaching Dunleith Township itself in FEMA’s records, so these are its biggest flood-claim years.
Jo Daviess County has had 13 natural disasters declared by the President since 1953, most often floods, then severe storms. Not counted: the 2005 Hurricane Katrina evacuee emergency, which covered counties that took in evacuees.
Dunleith Township and its neighbors
Dunleith Township is 4th of the 5 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 |
|---|---|---|---|
| Jamestown | A−less damage than 84% | river and rain flooding | — |
| Menominee Township | B+less damage than 68% | river and rain flooding | 257 |
| East Dubuque | B+less damage than 68% | river and rain flooding | 249 |
| Dunleith Township | B+less damage than 68% | river and rain flooding | 0 |
| Dubuque | Bless damage than 58% | river and rain flooding | 22 |
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 Dunleith 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.
- Park in a garage or under cover when storms are forecast.
- Stay away from windows while it falls.
- Photograph roof and car damage for your insurer.
- 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 Dunleith Township
Is Dunleith Township at risk for natural disasters?
On FEMA’s National Risk Index, Dunleith Township has lower expected damage per building than 68% of U.S. towns: B+ for hazard risk, #163 of 768 in Illinois. Most of the expected damage is river and rain flooding (68%) and tornadoes (16%). 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.
Is Dunleith 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 Jo Daviess County, 18% of homes in mapped flood zones carry federal flood insurance, and 0.3% of all homes do.
How much is flood insurance in Dunleith Township?
FEMA’s Community Rating System list shows no discount for Dunleith Township’s flood program. Premiums depend on the building; policies usually start 30 days after you buy, so get a quote early.
Is Dunleith Township at risk from river and rain flooding?
It is the largest share of the building damage FEMA expects here (68%), and Dunleith Township’s rate for it is lower than 60% of U.S. census tracts.
Storm stories
Memories, warnings and help from neighbors in Dunleith Township.
Sources: FEMA National Risk Index v1.20 (December 2025), census-tract table, combined by where Dunleith 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.