FEMA puts Hall Township’s expected hazard damage per building below that of 69% of U.S. towns, mostly from river and rain flooding
On FEMA’s National Risk Index, Hall Township gets a B+ for hazard risk: lower expected damage per building than 69% of U.S. towns, #153 of 768 in Illinois. Most of that expected damage is river and rain flooding (66%), then tornadoes (18%). Flood insurance has paid 4 claims here since 1978.
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 Hall 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
Hail
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 Hall Township’s grade
River and rain flooding is 66% of the building damage FEMA expects in Hall Township, and Hall Township’s rate of river and rain flooding damage is lower than 63% of U.S. census tracts. Tornadoes add 18%, at a rate in the top 8% of U.S. census tracts.
B+ #153 of 768 in Illinois; lower expected damage per building than 69% of U.S. towns (21,298).
Hall 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, Hall Township has less expected damage per building than 80% of Illinois towns.
In dollars, FEMA expects about $3.2M a year in losses across Hall Township: $2.0M to buildings, the rest to people and crops.
Does Hall Township flood? Rarely: 4 flood claims since 1978
Every paid claim on a federal flood insurance policy in Hall Township, from FEMA’s records: 1.1 per 1,000 homes, fewer than 77% of the 13,809 U.S. towns with a flood insurance record.
- The Mid-spring storms1 claim · $7K
Hall 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: Bureau County.1 federal disaster brought FEMA money to Hall Township
Disasters that paid out in Hall Township itself (aid to households or repair grants to Hall Township), newest first, with that year’s flood claims.
- 2013Severe Storms, Straight-line Winds, and Flooding$37K to Hall Township for repairs1 flood claim paid that year
Bureau County has had 14 natural disasters declared by the President since 1953, most often floods, then winter storms. Not counted: the 2005 Hurricane Katrina evacuee emergency, which covered counties that took in evacuees.
Old photos of Hall Township after a storm or flood belong in the town’s history. Add one, or share what you remember below.
Add to the Hall Township archive →Hall Township and its neighbors
Hall Township has the lowest expected damage per building of the 4 graded towns here. Tap a town to see its hazards.
| Town | Hazard risk | Mostly (buildings) | Flood claims |
|---|---|---|---|
| Hall Township | B+less damage than 69% | river and rain flooding | 4 |
| Spring Valley | B+less damage than 68% | river and rain flooding | 6 |
| Selby Township | B+less damage than 67% | river and rain flooding | 22 |
| Granville Township | Bless damage than 62% | river and rain flooding | 1 |
| Westfield Township | — | 901 residents; we grade 1,000+ | |
| Peru Township | — | not graded yet | |
| Leepertown Township | — | 307 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 Hall 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.
- Park in a garage or under cover when storms are forecast.
- Stay away from windows while it falls.
- Photograph roof and car damage for your insurer.
- 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 Hall Township
Is Hall Township at risk for natural disasters?
On FEMA’s National Risk Index, Hall Township has lower expected damage per building than 69% of U.S. towns: B+ for hazard risk, #153 of 768 in Illinois. Most of the expected damage is river and rain flooding (66%) and tornadoes (18%). This is FEMA’s model of an average year for today’s buildings, not a forecast.
Does Hall Township flood?
Flood insurance has paid 4 claims in Hall Township since 1978, $14K in all, or 1.1 per 1,000 homes, fewer than 77% of U.S. towns with a flood insurance record. The most claims came from Mid-spring storms (1).
Is Hall 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 Bureau County, 24% of homes in mapped flood zones carry federal flood insurance, and 0.4% of all homes do.
How much is flood insurance in Hall Township?
FEMA’s Community Rating System list shows no discount for Hall 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 Hall Township?
By FEMA money that reached Hall Township, Severe Storms, Straight-line Winds, and Flooding (2013): $37K to Hall Township for repairs. By flood claims, Mid-spring storms: 1 paid, $7K.
Is Hall Township at risk from river and rain flooding?
It is the largest share of the building damage FEMA expects here (66%), and Hall Township’s rate for it is lower than 63% of U.S. census tracts.
Storm stories
Memories, warnings and help from neighbors in Hall Township.
Sources: FEMA National Risk Index v1.20 (December 2025), census-tract table, combined by where Hall 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.