FEMA expects more hazard damage per building in Hoyleton Township than in 81% of U.S. towns, led by river and rain flooding
On FEMA’s National Risk Index, Hoyleton Township gets a C− for hazard risk: higher expected damage per building than 81% of U.S. towns. Most of that expected damage is river and rain flooding (44%), then earthquakes (39%). Flood insurance has paid 1 claim here since 1990.
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 Hoyleton 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
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 Hoyleton Township’s grade
River and rain flooding is 44% of the building damage FEMA expects in Hoyleton Township, and Hoyleton Township’s rate of river and rain flooding damage is higher than 55% of U.S. census tracts. Strong wind adds 8%, at a rate in the top 2% of U.S. census tracts.
C− higher expected damage per building than 81% of U.S. towns (21,298).
All of Hoyleton Township’s residents live in one census tract; the figures are that tract’s.
In dollars, FEMA expects about $1.4M a year in losses across Hoyleton Township: $720K to buildings, the rest to people and crops.
Does Hoyleton Township flood? Rarely: 1 flood claim since 1990
Every paid claim on a federal flood insurance policy in Hoyleton Township, from FEMA’s records: 2.2 per 1,000 homes, fewer than 59% of the 13,809 U.S. towns with a flood insurance record.
Hoyleton 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: Washington County.The storms Hoyleton Township remembers
None of the 6 disasters declared for Washington County shows FEMA aid or repair money reaching Hoyleton Township itself in FEMA’s records, so these are its biggest flood-claim years.
- 19901 flood claims paidNo declaration for the county that year
Washington County has had 6 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 Hoyleton Township after a storm or flood belong in the town’s history. Add one, or share what you remember below.
Add to the Hoyleton Township archive →Hoyleton Township and its neighbors
Hoyleton Township 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 |
|---|---|---|---|
| Irvington Township | C−more damage than 81% | river and rain flooding | — |
| Hoyleton Township | C−more damage than 81% | river and rain flooding | 1 |
| Lake Township | — | 804 residents; we grade 1,000+ | |
| Beaucoup Township | — | 668 residents; we grade 1,000+ | |
| Covington Township | — | 319 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 Hoyleton 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.
- 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 Hoyleton Township
Is Hoyleton Township at risk for natural disasters?
On FEMA’s National Risk Index, Hoyleton Township has higher expected damage per building than 81% of U.S. towns: C− for hazard risk. Most of the expected damage is river and rain flooding (44%) and earthquakes (39%). 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 Hoyleton Township flood?
Flood insurance has paid 1 claim in Hoyleton Township since 1990, $20K in all, or 2.2 per 1,000 homes, fewer than 59% of U.S. towns with a flood insurance record.
Is Hoyleton 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 Washington County, 0.1% of all homes carry federal flood insurance.
How much is flood insurance in Hoyleton Township?
FEMA’s Community Rating System list shows no discount for Hoyleton Township’s flood program. Premiums depend on the building; policies usually start 30 days after you buy, so get a quote early.
Is Hoyleton Township at risk from river and rain flooding?
It is the largest share of the building damage FEMA expects here (44%), and Hoyleton Township’s rate for it is higher than 55% of U.S. census tracts.
Storm stories
Memories, warnings and help from neighbors in Hoyleton Township.
Sources: FEMA National Risk Index v1.20 (December 2025), census-tract table, combined by where Hoyleton 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.