Photo: Farragutful · CC BY-SA 3.0Henry’s building-damage rate from strong wind is in the top 3% of U.S. census tracts
On FEMA’s National Risk Index, Henry gets a C+ for hazard risk: higher expected damage per building than 57% of U.S. towns. Most of that expected damage is river and rain flooding (77%). Flood insurance has paid 24 claims here since 1981.
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 Henry 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
Strong wind
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 Henry’s grade
River and rain flooding is 77% of the building damage FEMA expects in Henry, and Henry’s rate of river and rain flooding damage is higher than 68% of U.S. census tracts. Strong wind adds 8%, at a rate in the top 3% of U.S. census tracts.
C+ higher expected damage per building than 57% of U.S. towns (21,298).
All of Henry’s residents live in one census tract; the figures are that tract’s.
In dollars, FEMA expects about $1.3M a year in losses across Henry: $891K to buildings, the rest to people and crops.
Does Henry flood? Sometimes: 24 flood claims since 1981
Every paid claim on a federal flood insurance policy in Henry, from FEMA’s records: 20.9 per 1,000 homes, more than 85% of the 13,809 U.S. towns with a flood insurance record.
- Hurricane Ike2 claims · $57K
- The Mid-spring storms2 claims · $118K
Henry isn’t in FEMA’s Community Rating System, which cuts flood insurance up to 45% in towns that do extra flood-proofing.
Insurance rates: Marshall County.5 federal disasters brought FEMA money to Henry
Disasters that paid out in Henry itself (aid to households or repair grants to the City of Henry), newest first, with that year’s flood claims.
- 2013Severe Storms, Straight-line Winds, and Flooding6 households applied for aid$28K aid approved$7K to the City of Henry for repairs2 flood claims paid that year
- 2011Severe Winter Storm and Snowstorm$8K to the City of Henry for repairs
- 2006Snow$7K to the City of Henry for repairs
- 2000Illinois Winter Snow Storms$3K to the City of Henry for repairs
- 1999Il-winter Storm 1/1/99$4K to the City of Henry for repairs
Marshall County has had 11 natural disasters declared by the President since 1953, most often winter storms, then floods. Not counted: the 2005 Hurricane Katrina evacuee emergency, which covered counties that took in evacuees.
Old photos of Henry after a storm or flood belong in the town’s history. Add one, or share what you remember below.
Add to the Henry archive →Henry and its neighbors
Henry is 2nd of the 2 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 |
|---|---|---|---|
| Magnolia Township | Bless damage than 61% | river and rain flooding | — |
| Henry | C+more damage than 57% | river and rain flooding | 24 |
| Henry Township | — | not graded yet | |
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 Henry 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.
- Trim dead limbs over the house and driveway.
- Tie down trash cans and outdoor furniture.
- Stay clear of downed lines and call the utility.
- 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 Henry
Is Henry at risk for natural disasters?
On FEMA’s National Risk Index, Henry has higher expected damage per building than 57% of U.S. towns: C+ for hazard risk. Most of the expected damage is river and rain flooding (77%) and tornadoes (10%). 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 Henry flood?
Flood insurance has paid 24 claims in Henry since 1981, $292K in all, or 20.9 per 1,000 homes, more than 85% of U.S. towns with a flood insurance record. 4 properties have flooded more than once. The most claims came from Hurricane Ike (2).
Is Henry 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 Marshall County, 21% of homes in mapped flood zones carry federal flood insurance, and 0.4% of all homes do.
How much is flood insurance in Henry?
FEMA’s Community Rating System list shows no discount for Henry’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 Henry?
By FEMA money that reached Henry, Severe Storms, Straight-line Winds, and Flooding (2013): 6 households applied for aid, $28K approved, and $7K to the City of Henry for repairs. By flood claims, Hurricane Ike: 2 paid, $57K.
Is Henry at risk from river and rain flooding?
It is the largest share of the building damage FEMA expects here (77%), and Henry’s rate for it is higher than 68% of U.S. census tracts.
Storm stories
Memories, warnings and help from neighbors in Henry.
Sources: FEMA National Risk Index v1.20 (December 2025), census-tract table, combined by where Henry’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.