Farnsworth House · Photo: Victor Grigas · CC BY-SA 3.0FEMA expects about as much hazard damage per building in Little Rock Township as in the typical U.S. town, mostly from river and rain flooding
On FEMA’s National Risk Index, Little Rock Township gets a B− for hazard risk: lower expected damage per building than 51% of U.S. towns, #322 of 768 in Illinois. Most of that expected damage is river and rain flooding (79%), then tornadoes (14%). Flood insurance has paid 4 claims here since 1997.
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 Little Rock 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
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 Little Rock Township’s grade
River and rain flooding is 79% of the building damage FEMA expects in Little Rock Township, and Little Rock Township’s rate of river and rain flooding damage is higher than 64% of U.S. census tracts. Next is tornadoes at 14% (higher than 89% of U.S. census tracts).
B− #322 of 768 in Illinois; lower expected damage per building than 51% of U.S. towns (21,298).
Little Rock 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, Little Rock Township has less expected damage per building than 58% of Illinois towns.
In dollars, FEMA expects about $7.3M a year in losses across Little Rock Township: $3.8M to buildings, the rest to people and crops.
Does Little Rock Township flood? Rarely: 4 flood claims since 1997
Every paid claim on a federal flood insurance policy in Little Rock Township, from FEMA’s records: 0.8 per 1,000 homes, fewer than 83% of the 13,809 U.S. towns with a flood insurance record.
- Hurricane Ike2 claims · $176K
- The Mid-spring storms1 claim · $101K
Little Rock 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: Kendall County.2 federal disasters brought FEMA money to Little Rock Township
Disasters that paid out in Little Rock Township itself (aid to households or repair grants to Little Rock Township), newest first, with that year’s flood claims.
- 2000Illinois Winter Snow Storms$2K to Little Rock Township for repairs
- 1999Il-winter Storm 1/1/99$3K to Little Rock Township for repairs
Kendall County has had 10 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 Little Rock Township after a storm or flood belong in the town’s history. Add one, or share what you remember below.
Add to the Little Rock Township archive →Little Rock Township and its neighbors
Little Rock Township is 4th of the 5 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 |
|---|---|---|---|
| Big Rock Township | B+less damage than 74% | river and rain flooding | — |
| Sandwich | B+less damage than 72% | river and rain flooding | 3 |
| Fox Township | B+less damage than 65% | river and rain flooding | 1 |
| Little Rock Township | B−less damage than 51% | river and rain flooding | 4 |
| Bristol Township | Cmore damage than 69% | river and rain flooding | 3 |
| Sandwich 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 Little Rock 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.
- 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 Little Rock Township
Is Little Rock Township at risk for natural disasters?
On FEMA’s National Risk Index, Little Rock Township has lower expected damage per building than 51% of U.S. towns: B− for hazard risk, #322 of 768 in Illinois. Most of the expected damage is river and rain flooding (79%) and tornadoes (14%). This is FEMA’s model of an average year for today’s buildings, not a forecast.
Does Little Rock Township flood?
Flood insurance has paid 4 claims in Little Rock Township since 1997, $301K in all, or 0.8 per 1,000 homes, fewer than 83% of U.S. towns with a flood insurance record. The most claims came from Hurricane Ike (2).
Is Little Rock 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 Kendall County, 22% of homes in mapped flood zones carry federal flood insurance, and 0.2% of all homes do.
How much is flood insurance in Little Rock Township?
FEMA’s Community Rating System list shows no discount for Little Rock 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 Little Rock Township?
By FEMA money that reached Little Rock Township, Il-winter Storm 1/1/99 (1999): $3K to Little Rock Township for repairs. By flood claims, Hurricane Ike: 2 paid, $176K.
Is Little Rock Township at risk from river and rain flooding?
It is the largest share of the building damage FEMA expects here (79%), and Little Rock Township’s rate for it is higher than 64% of U.S. census tracts.
Storm stories
Memories, warnings and help from neighbors in Little Rock Township.
Sources: FEMA National Risk Index v1.20 (December 2025), census-tract table, combined by where Little Rock 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.