FEMA expects more hazard damage per building in Ganeer Township than in 93% of U.S. towns, mostly from river and rain flooding
On FEMA’s National Risk Index, Ganeer Township gets a D for hazard risk: higher expected damage per building than 93% of U.S. towns, #759 of 768 in Illinois. Most of that expected damage is river and rain flooding (92%). Flood insurance has paid 59 claims here since 1979.
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 Ganeer 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
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 Ganeer Township’s grade
River and rain flooding is 92% of the building damage FEMA expects in Ganeer Township, and Ganeer Township’s rate of river and rain flooding damage is in the top 3% of U.S. census tracts.
D #759 of 768 in Illinois; higher expected damage per building than 93% of U.S. towns (21,298).
Ganeer Township’s residents live in 5 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, Ganeer Township has more expected damage per building than 99% of Illinois towns.
In dollars, FEMA expects about $3.6M a year in losses across Ganeer Township: $3.2M to buildings, the rest to people and crops.
Does Ganeer Township flood? Sometimes: 59 flood claims since 1979
Every paid claim on a federal flood insurance policy in Ganeer Township, from FEMA’s records: 43.8 per 1,000 homes, more than 92% of the 13,809 U.S. towns with a flood insurance record.
- Hurricane Ike6 claims · $182K
Ganeer 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: Kankakee County.The storms Ganeer Township remembers
None of the 4 disasters declared for Kankakee County shows FEMA aid or repair money reaching Ganeer Township itself in FEMA’s records, so these are its biggest flood-claim years.
- 200813 flood claims paidNo declaration for the county that year
- 19975 flood claims paidNo declaration for the county that year
- 20025 flood claims paidNo declaration for the county that year
Kankakee County has had 4 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 Ganeer Township after a storm or flood belong in the town’s history. Add one, or share what you remember below.
Add to the Ganeer Township archive →Ganeer Township and its neighbors
Ganeer Township is 4th of the 5 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 |
|---|---|---|---|
| Pembroke Township | B−less damage than 54% | river and rain flooding | 8 |
| St. Anne Township | B−less damage than 52% | river and rain flooding | 1 |
| Bourbonnais Township | C+more damage than 60% | river and rain flooding | 17 |
| Ganeer Township | Dmore damage than 93% | river and rain flooding | 59 |
| Aroma Township | D−more damage than 97% | river and rain flooding | 135 |
| Momence Township | — | not graded yet | |
| Sumner Township | — | 812 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 Ganeer 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.
- 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 Ganeer Township
Is Ganeer Township at risk for natural disasters?
On FEMA’s National Risk Index, Ganeer Township has higher expected damage per building than 93% of U.S. towns: D for hazard risk, #759 of 768 in Illinois. Most of the expected damage is river and rain flooding (92%). This is FEMA’s model of an average year for today’s buildings, not a forecast.
Does Ganeer Township flood?
Flood insurance has paid 59 claims in Ganeer Township since 1979, $838K in all, or 43.8 per 1,000 homes, more than 92% of U.S. towns with a flood insurance record. The most claims came from Hurricane Ike (6).
Is Ganeer 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 Kankakee County, 14% of homes in mapped flood zones carry federal flood insurance, and 0.8% of all homes do.
How much is flood insurance in Ganeer Township?
FEMA’s Community Rating System list shows no discount for Ganeer 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 Ganeer Township?
By flood claims, Hurricane Ike: 6 paid, $182K.
Is Ganeer Township at risk from river and rain flooding?
It is the largest share of the building damage FEMA expects here (92%), and Ganeer Township’s rate for it is in the top 3% of U.S. census tracts.
Storm stories
Memories, warnings and help from neighbors in Ganeer Township.
Sources: FEMA National Risk Index v1.20 (December 2025), census-tract table, combined by where Ganeer 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.