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CHazard risk
Natural hazards in Hudson Township · FEMA

FEMA expects more hazard damage per building in Hudson Township than in 70% of U.S. towns, mostly from river and rain flooding

On FEMA’s National Risk Index, Hudson Township gets a C for hazard risk: higher expected damage per building than 70% of U.S. towns. Most of that expected damage is river and rain flooding (81%), then tornadoes (11%). FEMA’s files show no paid flood insurance claims here.

River and rain flooding 81%Tornadoes 11%Hail 3%

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

more than 70%of U.S. townsLess damageMoreExpected yearly damage per dollar of building, vs. the 21,298 U.S. towns we grade
Hazard risk
C
in Illinois · higher than 70% of U.S. towns
Main hazard
River and rain flooding
81% of expected building damage
Flood claims
0
paid since 1978 · $0
Disasters paid out here
2
of 8 declared for McLean County
By hazard

What Hudson 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

81%of expected building damage
Above average · higher than 79% of U.S. census tracts
Recorded about once a year in the area

Tornadoes

11%of expected building damage
Well above average · higher than 90% of U.S. census tracts
Recorded about once every 6 years in the area
Smaller shares here
 Hail Earthquakes Strong wind Ice storms Winter storms Lightning Hurricanes Wildfire Cold waves Heat waves top 3% Landslides
FEMA models no building damage here
Coastal floodingAvalanchesTsunamisVolcanic activity
People, not buildings.Counting harm to people as well as buildings, FEMA’s model puts cold waves at 25% of Hudson Township’s expected losses. Cold waves do little damage to buildings (0.0%), so they aren’t part of the grade.

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.

Flood risk changes street by street. Check a specific address on FEMA’s flood map, and ask about flood insurance before you buy.
Hazard risk grade

What’s behind Hudson Township’s grade

River and rain flooding is 81% of the building damage FEMA expects in Hudson Township, and Hudson Township’s rate of river and rain flooding damage is higher than 79% of U.S. census tracts. Next is tornadoes at 11% (higher than 90% of U.S. census tracts).

Where Hudson Township sits
Hudson Township
Least damageMiddleMost damage

C higher expected damage per building than 70% of U.S. towns (21,298).

All of Hudson Township’s residents live in one census tract; the figures are that tract’s.

What drives the damage to buildings
River and rain flooding81%Tornadoes11%Hail3%Everything else6%

In dollars, FEMA expects about $1.5M a year in losses across Hudson Township: $879K to buildings, the rest to people and crops.

Shared tract.All of Hudson Township’s 2,482 residents (2020 census) live in one census tract, which it shares with Gridley township (1,902 residents) and Hudson village (1,753 residents) and Gridley village (1,456 residents) and Money Creek township (1,047 residents) and Towanda village (431 residents). FEMA publishes its model by tract, so the rate and the hazard mix are the tract’s, the same for all of them. The flood claims below are the township’s own.
A shared figure. The grade describes the whole tract, not each street in it, and FEMA’s model is an average year for today’s buildings, not a record: the claims below are the record.

How TownRatings grades hazard risk →

Flood insurance claims

Does Hudson Township flood? No paid flood claims on record

FEMA’s records show no paid flood insurance claims in Hudson Township. That’s not a promise: most homes don’t carry flood insurance, so small floods go unrecorded.

of homes in flood zones are insured
of all homes are insured
No community discount

Hudson 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: McLean County.
Disasters

2 federal disasters brought FEMA money to Hudson Township

Disasters that paid out in Hudson Township itself (aid to households or repair grants to Hudson Township), newest first, with that year’s flood claims.

  1. 2011Severe Winter Storm and Snowstorm$8K to Hudson Township for repairs
  2. 1999Il-winter Storm 1/1/99$9K to Hudson Township for repairs
Disasters declared, by decade
Paid out in Hudson TownshipMcLean County only

McLean County has had 8 natural disasters declared by the President since 1953, most often winter storms, then severe storms. Not counted: the 2005 Hurricane Katrina evacuee emergency, which covered counties that took in evacuees.

Were you here?

Old photos of Hudson Township after a storm or flood belong in the town’s history. Add one, or share what you remember below.

Add to the Hudson Township archive →
Next door

Hudson Township and its neighbors

Hudson Township is 4th of the 4 graded towns here, from least expected damage per building to most. Tap a town to see its hazards.

El Paso Township: hazard risk BMoney Creek Township: hazard risk CKansas Township: not gradedNormal Township: not gradedGridley Township: hazard risk CEl Paso TownshipMoney Creek TownshipKansas TownshipNormal TownshipGridley TownshipHudson Township
Lowest fifthSecondMiddleFourthHighest fifth
TownHazard riskMostly (buildings)Flood claims
El Paso TownshipBless damage than 62%river and rain flooding1
Money Creek TownshipCmore damage than 70%river and rain flooding12
Gridley TownshipCmore damage than 70%river and rain flooding—
Hudson TownshipCmore damage than 70%river and rain flooding0
Kansas Township—503 residents; we grade 1,000+
Normal 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.

Be ready

Get ready for what Hudson 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.

When the river rises
  • 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.
More from Ready.gov ↗
Tornado warnings
  • 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.
More from Ready.gov ↗
Before you buy or rent
  • 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.
When a storm is coming
Forecast and alertsWeather →911, the nearest ERSafety →

Know where neighbors sign up for alerts? Add it to the Handbook so everyone has it.

Questions about natural hazards in Hudson Township

Is Hudson Township at risk for natural disasters?

On FEMA’s National Risk Index, Hudson Township has higher expected damage per building than 70% of U.S. towns: C for hazard risk. Most of the expected damage is river and rain flooding (81%) and tornadoes (11%). 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.

Is Hudson 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 McLean County, 13% of homes in mapped flood zones carry federal flood insurance, and 0.2% of all homes do.

How much is flood insurance in Hudson Township?

FEMA’s Community Rating System list shows no discount for Hudson 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 Hudson Township?

By FEMA money that reached Hudson Township, Il-winter Storm 1/1/99 (1999): $9K to Hudson Township for repairs.

Is Hudson Township at risk from river and rain flooding?

It is the largest share of the building damage FEMA expects here (81%), and Hudson Township’s rate for it is higher than 79% of U.S. census tracts.

Storm stories

Memories, warnings and help from neighbors in Hudson Township.

Town Square →
Start the conversation

Sources: FEMA National Risk Index v1.20 (December 2025), census-tract table, combined by where Hudson 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.