Photo: Stevedrone91 · CC BY-SA 4.0Storms, floods and disasters in Freeport Township
Freeport Township isn’t graded for hazard risk: FEMA’s tract figures aren’t matched to Freeport Township yet. Flood insurance has paid 92 claims here since 1979.
What Freeport 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.
Does Freeport Township flood? Sometimes: 92 flood claims since 1979
Every paid claim on a federal flood insurance policy in Freeport Township, from FEMA’s records.
- The Midwest Flooding5 claims · $40K
Freeport 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: Stephenson County.2 federal disasters brought FEMA money to Freeport Township
Disasters that paid out in Freeport Township itself (aid to households or repair grants to Freeport Township), newest first, with that year’s flood claims.
- 2010Severe Storms and Flooding1,505 households applied for aid$3.2M aid approved18 flood claims paid that year
- 2007Severe Storms and Flooding256 households applied for aid$317K aid approved4 flood claims paid that year
Stephenson County has had 11 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 Freeport Township after a storm or flood belong in the town’s history. Add one, or share what you remember below.
Add to the Freeport Township archive →Freeport Township and its neighbors
How expected damage per building compares across the town line. Tap a town to see its hazards.
| Town | Hazard risk | Mostly (buildings) | Flood claims |
|---|---|---|---|
| Harlem Township | Bless damage than 63% | river and rain flooding | — |
| Florence Township | Bless damage than 62% | river and rain flooding | 5 |
| Lancaster Township | Bless damage than 60% | river and rain flooding | — |
| Freeport | Cmore damage than 74% | river and rain flooding | 73 |
| Silver Creek Township | — | 462 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 Freeport 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 Freeport Township
Does Freeport Township flood?
Flood insurance has paid 92 claims in Freeport Township since 1979, $1.4M in all. The most claims came from Midwest Flooding (5).
Is Freeport 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 Stephenson County, 9% of homes in mapped flood zones carry federal flood insurance, and 0.3% of all homes do.
How much is flood insurance in Freeport Township?
FEMA’s Community Rating System list shows no discount for Freeport 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 Freeport Township?
By FEMA money that reached Freeport Township, Severe Storms and Flooding (2010): 1,505 households applied for aid, $3.2M approved. By flood claims, Midwest Flooding: 5 paid, $40K.
Storm stories
Memories, warnings and help from neighbors in Freeport Township.
Sources: FEMA National Risk Index v1.20 (December 2025), census-tract table, combined by where Freeport 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.