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B−Hazard risk
Natural hazards in Friends Creek Township · FEMA

FEMA expects about as much hazard damage per building in Friends Creek Township as in the typical U.S. town, mostly from river and rain flooding

On FEMA’s National Risk Index, Friends Creek Township gets a B− for hazard risk: higher expected damage per building than 51% of U.S. towns. Most of that expected damage is river and rain flooding (72%), then tornadoes (12%). Flood insurance has paid 1 claim here since 1979.

River and rain flooding 72%Tornadoes 12%Earthquakes 9%

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

more than 51%of U.S. townsLess damageMoreExpected yearly damage per dollar of building, vs. the 21,298 U.S. towns we grade
Hazard risk
B−
in Illinois · higher than 51% of U.S. towns
Main hazard
River and rain flooding
72% of expected building damage
Flood claims
1
paid since 1979 · $2K
Flood claims per home
2 per 1,000
fewer than 65% of U.S. towns
By hazard

What Friends Creek 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

72%of expected building damage
About average · higher than 59% of U.S. census tracts
Recorded about once a year in the area

Tornadoes

12%of expected building damage
Well above average · higher than 88% of U.S. census tracts
Recorded about once every 10 years in the area

Earthquakes

9%of expected building damage
Above average · higher than 76% of U.S. census tracts
Smaller shares here
 Hail Strong wind Ice storms Winter storms Lightning Hurricanes Wildfire Cold waves Heat waves Landslides
FEMA models no building damage here
Coastal floodingAvalanchesTsunamisVolcanic activity
People, not buildings.Counting harm to people as well as buildings, FEMA’s model puts cold waves at 15% of Friends Creek Township’s expected losses. Cold waves do little damage to buildings (0.0%), so they aren’t part of the grade.

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.

Flood risk changes street by street. Check a specific address on FEMA’s flood map, and ask about flood insurance before you buy.
Hazard risk grade

What’s behind Friends Creek Township’s grade

River and rain flooding is 72% of the building damage FEMA expects in Friends Creek Township, and Friends Creek Township’s rate of river and rain flooding damage is higher than 59% of U.S. census tracts. Next is tornadoes at 12% (higher than 88% of U.S. census tracts).

Where Friends Creek Township sits
Friends Creek Township
Least damageMiddleMost damage

B− higher expected damage per building than 51% of U.S. towns (21,298).

All of Friends Creek Township’s residents live in one census tract; the figures are that tract’s.

What drives the damage to buildings
River and rain flooding72%Tornadoes12%Earthquakes9%Everything else6%

In dollars, FEMA expects about $681K a year in losses across Friends Creek Township: $346K to buildings, the rest to people and crops.

Shared tract.All of Friends Creek Township’s 1,363 residents (2020 census) live in one census tract, which it shares with Maroa township (1,867 residents) and Maroa city (1,577 residents) and Argenta village (913 residents). FEMA publishes its model by tract, so the rate and the hazard mix are the tract’s, the same for all of them. The flood claims below are the township’s own.
A shared figure. The grade describes the whole tract, not each street in it, and FEMA’s model is an average year for today’s buildings, not a record: the claims below are the record.

How TownRatings grades hazard risk →

Flood insurance claims

Does Friends Creek Township flood? Rarely: 1 flood claim since 1979

Every paid claim on a federal flood insurance policy in Friends Creek Township, from FEMA’s records: 1.7 per 1,000 homes, fewer than 65% of the 13,809 U.S. towns with a flood insurance record.

Paid flood claims, by year
1979: 1 claim1980: 0 claims1981: 0 claims1982: 0 claims1983: 0 claims1984: 0 claims1985: 0 claims1986: 0 claims1987: 0 claims1988: 0 claims1989: 0 claims1990: 0 claims1991: 0 claims1992: 0 claims1993: 0 claims1994: 0 claims1995: 0 claims1996: 0 claims1997: 0 claims1998: 0 claims1999: 0 claims2000: 0 claims2001: 0 claims2002: 0 claims2003: 0 claims2004: 0 claims2005: 0 claims2006: 0 claims2007: 0 claims2008: 0 claims2009: 0 claims2010: 0 claims2011: 0 claims2012: 0 claims2013: 0 claims2014: 0 claims2015: 0 claims2016: 0 claims2017: 0 claims2018: 0 claims2019: 0 claims2020: 0 claims2021: 0 claims2022: 0 claims2023: 0 claims2024: 0 claims2025: 0 claims2026: 0 claims1979
19792026
1
paid claims since 1979
$2K
paid to owners
0
homes flooded more than once
$2K
average claim
of homes in flood zones are insured
of all homes are insured
No community discount

Friends Creek 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: Macon County.
Disasters

The storms Friends Creek Township remembers

None of the 8 disasters declared for Macon County shows FEMA aid or repair money reaching Friends Creek Township itself in FEMA’s records, so these are its biggest flood-claim years.

  1. 19791 flood claims paidThe year of Severe Storms and Flooding, declared for Macon County
Disasters declared, by decade
Paid out in Friends Creek TownshipMacon County only

Macon County has had 8 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.

Were you here?

Old photos of Friends Creek Township after a storm or flood belong in the town’s history. Add one, or share what you remember below.

Add to the Friends Creek Township archive →
Next door

Friends Creek Township and its neighbors

Friends Creek Township is 2nd of the 2 graded towns here, from least expected damage per building to most. Tap a town to see its hazards.

Willow Branch Township: not gradedMaroa Township: not gradedWhitmore Township: hazard risk BNixon Township: not gradedGoose Creek Township: not gradedWillow Branch TownshipMaroa TownshipWhitmore TownshipNixon TownshipGoose Creek TownshipFriends Creek Township
Lowest fifthSecondMiddleFourthHighest fifth
TownHazard riskMostly (buildings)Flood claims
Whitmore TownshipBless damage than 64%river and rain flooding—
Friends Creek TownshipB−more damage than 51%river and rain flooding1
Willow Branch Township—924 residents; we grade 1,000+
Maroa Township—not graded yet
Nixon Township—555 residents; we grade 1,000+
Goose Creek Township—745 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.

Be ready

Get ready for what Friends Creek 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.

When the river rises
  • 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.
More from Ready.gov ↗
Tornado warnings
  • 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.
More from Ready.gov ↗
Earthquakes
  • Drop, cover and hold on.
  • Strap tall furniture and the water heater to the wall.
  • Know how to shut off the gas.
More from Ready.gov ↗
Before you buy or rent
  • 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.
When a storm is coming
Forecast and alertsWeather →911, the nearest ERSafety →

Know where neighbors sign up for alerts? Add it to the Handbook so everyone has it.

Questions about natural hazards in Friends Creek Township

Is Friends Creek Township at risk for natural disasters?

On FEMA’s National Risk Index, Friends Creek Township has higher expected damage per building than 51% of U.S. towns: B− for hazard risk. Most of the expected damage is river and rain flooding (72%) and tornadoes (12%). The figures are for the one census tract the town shares with its neighbors. This is FEMA’s model of an average year for today’s buildings, not a forecast.

Does Friends Creek Township flood?

Flood insurance has paid 1 claim in Friends Creek Township since 1979, $2K in all, or 1.7 per 1,000 homes, fewer than 65% of U.S. towns with a flood insurance record.

Is Friends Creek 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 Macon County, 19% of homes in mapped flood zones carry federal flood insurance, and 0.2% of all homes do.

How much is flood insurance in Friends Creek Township?

FEMA’s Community Rating System list shows no discount for Friends Creek Township’s flood program. Premiums depend on the building; policies usually start 30 days after you buy, so get a quote early.

Is Friends Creek Township at risk from river and rain flooding?

It is the largest share of the building damage FEMA expects here (72%), and Friends Creek Township’s rate for it is higher than 59% of U.S. census tracts.

Storm stories

Memories, warnings and help from neighbors in Friends Creek Township.

Town Square →
Start the conversation

Sources: FEMA National Risk Index v1.20 (December 2025), census-tract table, combined by where Friends Creek 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.