Photo: formulanone from Huntsville, United States · CC BY-SA 2.0FEMA expects about as much hazard damage per building in Farmington Township as in the typical U.S. town, mostly from river and rain flooding
On FEMA’s National Risk Index, Farmington Township gets a B for hazard risk: lower expected damage per building than 59% of U.S. towns, #235 of 768 in Illinois. Most of that expected damage is river and rain flooding (60%), then tornadoes (17%). Flood insurance has paid 6 claims here since 1982.
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 Farmington 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
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 Farmington Township’s grade
River and rain flooding is 60% of the building damage FEMA expects in Farmington Township, and Farmington Township’s rate of river and rain flooding damage is lower than 60% of U.S. census tracts. Tornadoes add 17%, at a rate in the top 9% of U.S. census tracts.
B #235 of 768 in Illinois; lower expected damage per building than 59% of U.S. towns (21,298).
Farmington Township’s residents live in 2 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, Farmington Township has less expected damage per building than 69% of Illinois towns.
In dollars, FEMA expects about $1.6M a year in losses across Farmington Township: $990K to buildings, the rest to people and crops.
Does Farmington Township flood? Rarely: 6 flood claims since 1982
Every paid claim on a federal flood insurance policy in Farmington Township, from FEMA’s records: 4.2 per 1,000 homes, more than 56% of the 13,809 U.S. towns with a flood insurance record.
- The Mid-spring storms1 claim · $23K
Farmington 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: Fulton County.2 federal disasters brought FEMA money to Farmington Township
Disasters that paid out in Farmington Township itself (aid to households or repair grants to Farmington Township), newest first, with that year’s flood claims.
- 2006Snow$5K to Farmington Township for repairs
- 1999Il-winter Storm 1/1/99$3K to Farmington Township for repairs
Fulton County has had 17 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.
Old photos of Farmington Township after a storm or flood belong in the town’s history. Add one, or share what you remember below.
Add to the Farmington Township archive →Farmington Township and its neighbors
Farmington Township has the lowest expected damage per building of the 1 graded towns here. Tap a town to see its hazards.
| Town | Hazard risk | Mostly (buildings) | Flood claims |
|---|---|---|---|
| Farmington Township | Bless damage than 59% | river and rain flooding | 6 |
| Salem Township | — | 667 residents; we grade 1,000+ | |
| Canton Township | — | not graded yet | |
| Fairview Township | — | 548 residents; we grade 1,000+ | |
| Trivoli Township | — | 952 residents; we grade 1,000+ | |
| Norris | — | 303 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 Farmington 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.
- 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 Farmington Township
Is Farmington Township at risk for natural disasters?
On FEMA’s National Risk Index, Farmington Township has lower expected damage per building than 59% of U.S. towns: B for hazard risk, #235 of 768 in Illinois. Most of the expected damage is river and rain flooding (60%) and tornadoes (17%). This is FEMA’s model of an average year for today’s buildings, not a forecast.
Does Farmington Township flood?
Flood insurance has paid 6 claims in Farmington Township since 1982, $57K in all, or 4.2 per 1,000 homes, more than 56% of U.S. towns with a flood insurance record. The most claims came from Mid-spring storms (1).
Is Farmington 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 Fulton County, 12% of homes in mapped flood zones carry federal flood insurance, and 0.2% of all homes do.
How much is flood insurance in Farmington Township?
FEMA’s Community Rating System list shows no discount for Farmington 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 Farmington Township?
By FEMA money that reached Farmington Township, Snow (2006): $5K to Farmington Township for repairs. By flood claims, Mid-spring storms: 1 paid, $23K.
Is Farmington Township at risk from river and rain flooding?
It is the largest share of the building damage FEMA expects here (60%), and Farmington Township’s rate for it is lower than 60% of U.S. census tracts.
Storm stories
Memories, warnings and help from neighbors in Farmington Township.
Sources: FEMA National Risk Index v1.20 (December 2025), census-tract table, combined by where Farmington 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.