Photo: Catching12 · CC BY 3.0Storms, floods and disasters in Granite City Township
Granite City Township isn’t graded for hazard risk: FEMA’s tract figures aren’t matched to Granite City Township yet. Flood insurance has paid 162 claims here since 1978.
What Granite City 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
Earthquakes
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.
Does Granite City Township flood? Yes: 162 flood claims since 1978
Every paid claim on a federal flood insurance policy in Granite City Township, from FEMA’s records.
- The Midwest Flooding9 claims · $47K
- Hurricane Ike8 claims · $34K
- The Early winter storms8 claims · $154K
Granite City 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: Madison County.The storms Granite City Township remembers
None of the 13 disasters declared for Madison County shows FEMA aid or repair money reaching Granite City Township itself in FEMA’s records, so these are its biggest flood-claim years.
- 199530 flood claims paidThe year of Severe Storms and Flooding, declared for Madison County
- 201929 flood claims paidThe year of Severe Storms and Flooding, declared for Madison County
- 197917 flood claims paidThe year of Severe Storms and Flooding, declared for Madison County
Madison County has had 13 natural disasters declared by the President since 1953, most often severe storms, then floods. Not counted: the 2005 Hurricane Katrina evacuee emergency, which covered counties that took in evacuees.
Old photos of Granite City Township after a storm or flood belong in the town’s history. Add one, or share what you remember below.
Add to the Granite City Township archive →Granite City 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 |
|---|---|---|---|
| Chouteau Township | Cmore damage than 75% | river and rain flooding | 47 |
| Venice Township | C−more damage than 84% | river and rain flooding | 20 |
| Madison | Dmore damage than 86% | river and rain flooding | 17 |
| Pontoon Beach | Dmore damage than 88% | river and rain flooding | 29 |
| Granite City | Dmore damage than 91% | river and rain flooding | 104 |
| Nameoki Township | Dmore damage than 91% | river and rain flooding | 59 |
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 Granite City 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.
- Drop, cover and hold on.
- Strap tall furniture and the water heater to the wall.
- Know how to shut off the gas.
- 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 Granite City Township
Does Granite City Township flood?
Flood insurance has paid 162 claims in Granite City Township since 1978, $999K in all. The most claims came from Midwest Flooding (9).
Is Granite City 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 Madison County, 0.8% of all homes carry federal flood insurance.
How much is flood insurance in Granite City Township?
FEMA’s Community Rating System list shows no discount for Granite City 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 Granite City Township?
By flood claims, Midwest Flooding: 9 paid, $47K.
Storm stories
Memories, warnings and help from neighbors in Granite City Township.
Sources: FEMA National Risk Index v1.20 (December 2025), census-tract table, combined by where Granite City 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.