FEMA expects more hazard damage per building in Grover Township than in 71% of U.S. towns, led by river and rain flooding
On FEMA’s National Risk Index, Grover Township gets a C for hazard risk: higher expected damage per building than 71% of U.S. towns, #553 of 768 in Illinois. Most of that expected damage is river and rain flooding (48%), then earthquakes (38%). Flood insurance has paid 3 claims here since 2011.
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 Grover 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.
What’s behind Grover Township’s grade
River and rain flooding is 48% of the building damage FEMA expects in Grover Township, and Grover Township’s rate of river and rain flooding damage is lower than 50% of U.S. census tracts. Strong wind adds 4%, at a rate in the top 8% of U.S. census tracts.
C #553 of 768 in Illinois; higher expected damage per building than 71% of U.S. towns (21,298).
Grover Township’s residents live in 3 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, Grover Township has more expected damage per building than 72% of Illinois towns.
In dollars, FEMA expects about $3.0M a year in losses across Grover Township: $1.6M to buildings, the rest to people and crops.
Does Grover Township flood? Rarely: 3 flood claims since 2011
Every paid claim on a federal flood insurance policy in Grover Township, from FEMA’s records: 1.6 per 1,000 homes, fewer than 68% of the 13,809 U.S. towns with a flood insurance record.
- The Mid-spring storms1 claim · $19K
Grover 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: Wayne County.The storms Grover Township remembers
None of the 5 disasters declared for Wayne County shows FEMA aid or repair money reaching Grover Township itself in FEMA’s records, so these are its biggest flood-claim years.
- 20112 flood claims paidThe year of Severe Storms and Flooding, declared for Wayne County
- 20191 flood claims paidNo declaration for the county that year
Wayne County has had 5 natural disasters declared by the President since 1953, most often severe storms. Not counted: the 2005 Hurricane Katrina evacuee emergency, which covered counties that took in evacuees.
Old photos of Grover Township after a storm or flood belong in the town’s history. Add one, or share what you remember below.
Add to the Grover Township archive →Grover Township and its neighbors
Grover Township has the lowest expected damage per building of the 2 graded towns here. Tap a town to see its hazards.
| Town | Hazard risk | Mostly (buildings) | Flood claims |
|---|---|---|---|
| Grover Township | Cmore damage than 71% | river and rain flooding | 3 |
| Jasper Township | Cmore damage than 74% | river and rain flooding | 6 |
| Barnhill Township | — | 572 residents; we grade 1,000+ | |
| Leech Township | — | 475 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 Grover 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 Grover Township
Is Grover Township at risk for natural disasters?
On FEMA’s National Risk Index, Grover Township has higher expected damage per building than 71% of U.S. towns: C for hazard risk, #553 of 768 in Illinois. Most of the expected damage is river and rain flooding (48%) and earthquakes (38%). This is FEMA’s model of an average year for today’s buildings, not a forecast.
Does Grover Township flood?
Flood insurance has paid 3 claims in Grover Township since 2011, $30K in all, or 1.6 per 1,000 homes, fewer than 68% of U.S. towns with a flood insurance record. The most claims came from Mid-spring storms (1).
Is Grover 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 Wayne County, 0.2% of all homes carry federal flood insurance.
How much is flood insurance in Grover Township?
FEMA’s Community Rating System list shows no discount for Grover 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 Grover Township?
By flood claims, Mid-spring storms: 1 paid, $19K.
Is Grover Township at risk from river and rain flooding?
It is the largest share of the building damage FEMA expects here (48%), and Grover Township’s rate for it is lower than 50% of U.S. census tracts.
Storm stories
Memories, warnings and help from neighbors in Grover Township.
Sources: FEMA National Risk Index v1.20 (December 2025), census-tract table, combined by where Grover 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.