On FEMA’s figures, Fremont Township faces less hazard damage per building than 86% of U.S. towns, mostly from river and rain flooding
On FEMA’s National Risk Index, Fremont Township gets an A for hazard risk: lower expected damage per building than 86% of U.S. towns, #33 of 768 in Illinois. Most of that expected damage is river and rain flooding (81%), then tornadoes (14%). Flood insurance has paid 12 claims here since 1986.
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 Fremont 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
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 Fremont Township’s grade
River and rain flooding is 81% of the building damage FEMA expects in Fremont Township, and Fremont Township’s rate of river and rain flooding damage is lower than 65% of U.S. census tracts. Next is tornadoes at 14% (higher than 72% of U.S. census tracts).
A #33 of 768 in Illinois; lower expected damage per building than 86% of U.S. towns (21,298).
Fremont Township’s residents live in 7 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, Fremont Township has less expected damage per building than 96% of Illinois towns.
In dollars, FEMA expects about $11.1M a year in losses across Fremont Township: $7.1M to buildings, the rest to people and crops.
Does Fremont Township flood? Sometimes: 12 flood claims since 1986
Every paid claim on a federal flood insurance policy in Fremont Township, from FEMA’s records: 0.9 per 1,000 homes, fewer than 80% of the 13,809 U.S. towns with a flood insurance record.
- Hurricane Ike1 claim · $17K
- The Mid-spring storms1 claim · $53K
Fremont 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: Lake County.The storms Fremont Township remembers
None of the 14 disasters declared for Lake County shows FEMA aid or repair money reaching Fremont Township itself in FEMA’s records, so these are its biggest flood-claim years.
- 20174 flood claims paidNo declaration for the county that year
- 19862 flood claims paidThe year of Severe Storms and Flooding, declared for Lake County
- 20081 flood claims paidThe year of Severe Storms and Flooding, declared for Lake County
Lake County has had 14 natural disasters declared by the President since 1953, most often winter storms, then severe storms. Not counted: the 2005 Hurricane Katrina evacuee emergency, which covered counties that took in evacuees.
Old photos of Fremont Township after a storm or flood belong in the town’s history. Add one, or share what you remember below.
Add to the Fremont Township archive →Fremont Township and its neighbors
Fremont Township is 2nd of the 9 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 |
|---|---|---|---|
| Mundelein | Aless damage than 90% | river and rain flooding | 17 |
| Fremont Township | Aless damage than 86% | river and rain flooding | 12 |
| Hawthorn Woods | A−less damage than 82% | river and rain flooding | 2 |
| Ela Township | A−less damage than 78% | river and rain flooding | 22 |
| Libertyville Township | B+less damage than 74% | river and rain flooding | 119 |
| Grayslake | Bless damage than 58% | river and rain flooding | 14 |
| Wauconda | Bless damage than 57% | river and rain flooding | 22 |
| Wauconda Township | B−less damage than 55% | river and rain flooding | 31 |
| Avon Township | C+more damage than 58% | river and rain flooding | 148 |
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 Fremont 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.
- 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 Fremont Township
Is Fremont Township at risk for natural disasters?
On FEMA’s National Risk Index, Fremont Township has lower expected damage per building than 86% of U.S. towns: A for hazard risk, #33 of 768 in Illinois. Most of the expected damage is river and rain flooding (81%) and tornadoes (14%). This is FEMA’s model of an average year for today’s buildings, not a forecast.
Does Fremont Township flood?
Flood insurance has paid 12 claims in Fremont Township since 1986, $897K in all, or 0.9 per 1,000 homes, fewer than 80% of U.S. towns with a flood insurance record. The most claims came from Hurricane Ike (1).
Is Fremont 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 Lake County, 24% of homes in mapped flood zones carry federal flood insurance, and 0.8% of all homes do.
How much is flood insurance in Fremont Township?
FEMA’s Community Rating System list shows no discount for Fremont 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 Fremont Township?
By flood claims, Hurricane Ike: 1 paid, $17K.
Is Fremont Township at risk from river and rain flooding?
It is the largest share of the building damage FEMA expects here (81%), and Fremont Township’s rate for it is lower than 65% of U.S. census tracts.
Storm stories
Memories, warnings and help from neighbors in Fremont Township.
Sources: FEMA National Risk Index v1.20 (December 2025), census-tract table, combined by where Fremont 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.