Photo: Tony Hisgett from Birmingham, UK · CC BY 2.0Less hazard damage per building is expected in Elmwood Township than in 63% of U.S. towns, mostly from river and rain flooding
On FEMA’s National Risk Index, Elmwood Township gets a B for hazard risk: lower expected damage per building than 63% of U.S. towns. Most of that expected damage is river and rain flooding (70%), then tornadoes (15%). 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 stands out about Elmwood Township’s natural hazards
From FEMA’s model and FEMA’s records, below.
What Elmwood 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 Elmwood Township’s grade
River and rain flooding is 70% of the building damage FEMA expects in Elmwood Township, and Elmwood Township’s rate of river and rain flooding damage is lower than 54% of U.S. census tracts. Next is tornadoes at 15% (higher than 89% of U.S. census tracts).
B lower expected damage per building than 63% of U.S. towns (21,298).
Elmwood Township’s residents live in 2 census tracts; FEMA’s figures are combined by where they live.
In dollars, FEMA expects about $1.4M a year in losses across Elmwood Township: $748K to buildings, the rest to people and crops.
Does Elmwood Township flood? No paid flood claims on record
FEMA’s records show no paid flood insurance claims in Elmwood Township. That’s not a promise: most homes don’t carry flood insurance, so small floods go unrecorded.
Elmwood 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: Peoria County.1 federal disaster brought FEMA money to Elmwood Township
Disasters that paid out in Elmwood Township itself (aid to households or repair grants to Elmwood Township), newest first, with that year’s flood claims.
- 1999Il-winter Storm 1/1/99$2K to Elmwood Township for repairs
Peoria County has had 12 natural disasters declared by the President since 1953, most often floods, then winter storms. Not counted: the 2005 Hurricane Katrina evacuee emergency, which covered counties that took in evacuees.
Old photos of Elmwood Township after a storm or flood belong in the town’s history. Add one, or share what you remember below.
Add to the Elmwood Township archive →Elmwood Township and its neighbors
Elmwood Township is 2nd of the 3 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 |
|---|---|---|---|
| Rosefield Township | Bless damage than 64% | river and rain flooding | — |
| Elmwood Township | Bless damage than 63% | river and rain flooding | 0 |
| Brimfield Township | Bless damage than 62% | river and rain flooding | — |
| Salem Township | — | 667 residents; we grade 1,000+ | |
| Trivoli Township | — | 952 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 Elmwood 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 Elmwood Township
Is Elmwood Township at risk for natural disasters?
On FEMA’s National Risk Index, Elmwood Township has lower expected damage per building than 63% of U.S. towns: B for hazard risk. Most of the expected damage is river and rain flooding (70%) and tornadoes (15%). This is FEMA’s model of an average year for today’s buildings, not a forecast.
Is Elmwood 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 Peoria County, 0.4% of all homes carry federal flood insurance.
How much is flood insurance in Elmwood Township?
FEMA’s Community Rating System list shows no discount for Elmwood 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 Elmwood Township?
By FEMA money that reached Elmwood Township, Il-winter Storm 1/1/99 (1999): $2K to Elmwood Township for repairs.
Is Elmwood Township at risk from river and rain flooding?
It is the largest share of the building damage FEMA expects here (70%), and Elmwood Township’s rate for it is lower than 54% of U.S. census tracts.
Storm stories
Memories, warnings and help from neighbors in Elmwood Township.
Sources: FEMA National Risk Index v1.20 (December 2025), census-tract table, combined by where Elmwood 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.