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BHazard risk
Natural hazards in Loami Township · FEMA

FEMA puts Loami Township’s expected hazard damage per building below that of 61% of U.S. towns, mostly from river and rain flooding

On FEMA’s National Risk Index, Loami Township gets a B for hazard risk: lower expected damage per building than 61% of U.S. towns. Most of that expected damage is river and rain flooding (56%), then earthquakes (19%). FEMA’s files show no paid flood insurance claims here.

River and rain flooding 56%Earthquakes 19%Tornadoes 17%

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

less than 61%of U.S. townsLess damageMoreExpected yearly damage per dollar of building, vs. the 21,298 U.S. towns we grade
Hazard risk
B
in Illinois · lower than 61% of U.S. towns
Main hazard
River and rain flooding
56% of expected building damage
Flood claims
0
paid since 1978 · $0
Disasters paid out here
1
of 9 declared for Sangamon County
By hazard

What Loami 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

56%of expected building damage
Below average · lower than 68% of U.S. census tracts
Recorded about 2 times a year in the area

Earthquakes

19%of expected building damage
Well above average · higher than 80% of U.S. census tracts

Tornadoes

17%of expected building damage
Well above average · in the top 8% of U.S. census tracts
Recorded about once every 5 years in the area
Smaller shares here
 Hail Strong wind Ice storms Winter storms Lightning Hurricanes Wildfire Cold waves Heat waves 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 drought at 21% of Loami Township’s expected losses. Drought does 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 Loami Township’s grade

River and rain flooding is 56% of the building damage FEMA expects in Loami Township, and Loami Township’s rate of river and rain flooding damage is lower than 68% of U.S. census tracts. Tornadoes add 17%, at a rate in the top 8% of U.S. census tracts.

Where Loami Township sits
Loami Township
Least damageMiddleMost damage

B lower expected damage per building than 61% of U.S. towns (21,298).

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

What drives the damage to buildings
River and rain flooding56%Earthquakes19%Tornadoes17%Everything else7%

In dollars, FEMA expects about $1.1M a year in losses across Loami Township: $563K to buildings, the rest to people and crops.

Shared tract.All of Loami Township’s 1,109 residents (2020 census) live in one census tract, which it shares with New Berlin township (1,609 residents) and Cartwright township (1,518 residents) and New Berlin village (1,381 residents) and Loami village (812 residents) and Pleasant Plains village (808 residents) and Island Grove township (549 residents) and Maxwell township (219 residents) and Talkington township (161 residents) and Berlin village (141 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 Loami Township flood? No paid flood claims on record

FEMA’s records show no paid flood insurance claims in Loami 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

Loami 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: Sangamon County.
Disasters

1 federal disaster brought FEMA money to Loami Township

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

  1. 1999Il-winter Storm 1/1/99$3K to Loami Township for repairs
Disasters declared, by decade
Paid out in Loami TownshipSangamon County only

Sangamon County has had 9 natural disasters declared by the President since 1953, most often severe storms, then winter storms. Not counted: the 2005 Hurricane Katrina evacuee emergency, which covered counties that took in evacuees.

Were you here?

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

Add to the Loami Township archive →
Next door

Loami Township and its neighbors

Loami Township has the lowest expected damage per building of the 2 graded towns here. Tap a town to see its hazards.

Maxwell Township: not gradedChatham Township: hazard risk C+New Berlin Township: not gradedMaxwell TownshipChatham TownshipNew Berlin TownshipLoami Township
Lowest fifthSecondMiddleFourthHighest fifth
TownHazard riskMostly (buildings)Flood claims
Loami TownshipBless damage than 61%river and rain flooding0
Chatham TownshipC+more damage than 62%river and rain flooding24
Maxwell Township—238 residents; we grade 1,000+
New Berlin 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 Loami 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 ↗
Earthquakes
  • Drop, cover and hold on.
  • Strap tall furniture and the water heater to the wall.
  • Know how to shut off the gas.
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 Loami Township

Is Loami Township at risk for natural disasters?

On FEMA’s National Risk Index, Loami Township has lower expected damage per building than 61% of U.S. towns: B for hazard risk. Most of the expected damage is river and rain flooding (56%) and earthquakes (19%). 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 Loami 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 Sangamon County, 19% of homes in mapped flood zones carry federal flood insurance, and 0.2% of all homes do.

How much is flood insurance in Loami Township?

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

By FEMA money that reached Loami Township, Il-winter Storm 1/1/99 (1999): $3K to Loami Township for repairs.

Is Loami Township at risk from river and rain flooding?

It is the largest share of the building damage FEMA expects here (56%), and Loami Township’s rate for it is lower than 68% of U.S. census tracts.

Storm stories

Memories, warnings and help from neighbors in Loami Township.

Town Square →
Start the conversation

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