FEMA expects more hazard damage per building in Indian Grove Township than in 87% of U.S. towns, mostly from river and rain flooding
On FEMA’s National Risk Index, Indian Grove Township gets a D for hazard risk: higher expected damage per building than 87% of U.S. towns, #720 of 768 in Illinois. Most of that expected damage is river and rain flooding (90%). FEMA’s files show no paid flood insurance claims here.
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 Indian Grove 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
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 Indian Grove Township’s grade
River and rain flooding is 90% of the building damage FEMA expects in Indian Grove Township, and Indian Grove Township’s rate of river and rain flooding damage is in the top 6% of U.S. census tracts. Strong wind adds 2%, at a rate in the top 9% of U.S. census tracts.
D #720 of 768 in Illinois; higher expected damage per building than 87% of U.S. towns (21,298).
Indian Grove Township’s residents live in 2 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, Indian Grove Township has more expected damage per building than 94% of Illinois towns.
In dollars, FEMA expects about $4.1M a year in losses across Indian Grove Township: $3.1M to buildings, the rest to people and crops.
Does Indian Grove Township flood? No paid flood claims on record
FEMA’s records show no paid flood insurance claims in Indian Grove Township. That’s not a promise: most homes don’t carry flood insurance, so small floods go unrecorded.
Indian Grove 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: Livingston County.1 federal disaster brought FEMA money to Indian Grove Township
Disasters that paid out in Indian Grove Township itself (aid to households or repair grants to Indian Grove Township), newest first, with that year’s flood claims.
- 1999Il-winter Storm 1/1/99$3K to Indian Grove Township for repairs
Livingston County has had 8 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 Indian Grove Township after a storm or flood belong in the town’s history. Add one, or share what you remember below.
Add to the Indian Grove Township archive →Indian Grove Township and its neighbors
Indian Grove 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 |
|---|---|---|---|
| Forrest Township | Cmore damage than 73% | river and rain flooding | 5 |
| Indian Grove Township | Dmore damage than 87% | river and rain flooding | 0 |
| Yates Township | — | 103 residents; we grade 1,000+ | |
| Lawndale Township | — | 135 residents; we grade 1,000+ | |
| Avoca Township | — | 414 residents; we grade 1,000+ | |
| Belle Prairie Township | — | 57 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 Indian Grove 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.
- 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 Indian Grove Township
Is Indian Grove Township at risk for natural disasters?
On FEMA’s National Risk Index, Indian Grove Township has higher expected damage per building than 87% of U.S. towns: D for hazard risk, #720 of 768 in Illinois. Most of the expected damage is river and rain flooding (90%). This is FEMA’s model of an average year for today’s buildings, not a forecast.
Is Indian Grove 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 Livingston County, 14% of homes in mapped flood zones carry federal flood insurance, and 1.2% of all homes do.
How much is flood insurance in Indian Grove Township?
FEMA’s Community Rating System list shows no discount for Indian Grove 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 Indian Grove Township?
By FEMA money that reached Indian Grove Township, Il-winter Storm 1/1/99 (1999): $3K to Indian Grove Township for repairs.
Is Indian Grove Township at risk from river and rain flooding?
It is the largest share of the building damage FEMA expects here (90%), and Indian Grove Township’s rate for it is in the top 6% of U.S. census tracts.
Storm stories
Memories, warnings and help from neighbors in Indian Grove Township.
Sources: FEMA National Risk Index v1.20 (December 2025), census-tract table, combined by where Indian Grove 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.