FEMA expects more hazard damage per building in East Eldorado Township than in 86% of U.S. towns, led by river and rain flooding
On FEMA’s National Risk Index, East Eldorado Township gets a D for hazard risk: higher expected damage per building than 86% of U.S. towns, #707 of 768 in Illinois. Most of that expected damage is river and rain flooding (46%), then earthquakes (39%). Flood insurance has paid 6 claims here since 2014.
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 East Eldorado 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
Earthquakes
Strong wind
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 East Eldorado Township’s grade
River and rain flooding is 46% of the building damage FEMA expects in East Eldorado Township, and East Eldorado Township’s rate of river and rain flooding damage is higher than 66% of U.S. census tracts. Strong wind adds 6%, at a rate in the top 2% of U.S. census tracts.
D #707 of 768 in Illinois; higher expected damage per building than 86% of U.S. towns (21,298).
East Eldorado Township’s residents live in 3 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, East Eldorado Township has more expected damage per building than 92% of Illinois towns.
In dollars, FEMA expects about $4.5M a year in losses across East Eldorado Township: $2.7M to buildings, the rest to people and crops.
Does East Eldorado Township flood? Rarely: 6 flood claims since 2014
Every paid claim on a federal flood insurance policy in East Eldorado Township, from FEMA’s records: 2.1 per 1,000 homes, fewer than 60% of the 13,809 U.S. towns with a flood insurance record.
East Eldorado 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: Saline County.The storms East Eldorado Township remembers
None of the 6 disasters declared for Saline County shows FEMA aid or repair money reaching East Eldorado Township itself in FEMA’s records, so these are its biggest flood-claim years.
- 20146 flood claims paidNo declaration for the county that year
Saline County has had 6 natural disasters declared by the President since 1953, most often severe storms, then winter storms. Not counted: the 2005 Hurricane Katrina evacuee emergency, which covered counties that took in evacuees.
Old photos of East Eldorado Township after a storm or flood belong in the town’s history. Add one, or share what you remember below.
Add to the East Eldorado Township archive →East Eldorado Township and its neighbors
East Eldorado Township is 2nd of the 2 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 |
|---|---|---|---|
| Raleigh Township | C−more damage than 83% | river and rain flooding | — |
| East Eldorado Township | Dmore damage than 86% | river and rain flooding | 6 |
| Rector Township | — | 48 residents; we grade 1,000+ | |
| Cottage Township | — | 133 residents; we grade 1,000+ | |
| North Fork Township | — | 337 residents; we grade 1,000+ | |
| Equality Township | — | 845 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 East Eldorado 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.
- Drop, cover and hold on.
- Strap tall furniture and the water heater to the wall.
- Know how to shut off the gas.
- Trim dead limbs over the house and driveway.
- Tie down trash cans and outdoor furniture.
- Stay clear of downed lines and call the utility.
- 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 East Eldorado Township
Is East Eldorado Township at risk for natural disasters?
On FEMA’s National Risk Index, East Eldorado Township has higher expected damage per building than 86% of U.S. towns: D for hazard risk, #707 of 768 in Illinois. Most of the expected damage is river and rain flooding (46%) and earthquakes (39%). This is FEMA’s model of an average year for today’s buildings, not a forecast.
Does East Eldorado Township flood?
Flood insurance has paid 6 claims in East Eldorado Township since 2014, $76K in all, or 2.1 per 1,000 homes, fewer than 60% of U.S. towns with a flood insurance record.
Is East Eldorado 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 Saline County, 11% of homes in mapped flood zones carry federal flood insurance, and 0.8% of all homes do.
How much is flood insurance in East Eldorado Township?
FEMA’s Community Rating System list shows no discount for East Eldorado Township’s flood program. Premiums depend on the building; policies usually start 30 days after you buy, so get a quote early.
Is East Eldorado Township at risk from river and rain flooding?
It is the largest share of the building damage FEMA expects here (46%), and East Eldorado Township’s rate for it is higher than 66% of U.S. census tracts.
Storm stories
Memories, warnings and help from neighbors in East Eldorado Township.
Sources: FEMA National Risk Index v1.20 (December 2025), census-tract table, combined by where East Eldorado 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.