On FEMA’s figures, Mackinaw Township faces about as much hazard damage per building as the typical U.S. town, mostly from river and rain flooding
On FEMA’s National Risk Index, Mackinaw Township gets a B− for hazard risk: higher expected damage per building than 54% of U.S. towns, #379 of 768 in Illinois. Most of that expected damage is river and rain flooding (75%), then tornadoes (16%). Flood insurance has paid 3 claims here since 1999.
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 Mackinaw 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 Mackinaw Township’s grade
River and rain flooding is 75% of the building damage FEMA expects in Mackinaw Township, and Mackinaw Township’s rate of river and rain flooding damage is higher than 64% of U.S. census tracts. Tornadoes add 16%, at a rate in the top 5% of U.S. census tracts.
B− #379 of 768 in Illinois; higher expected damage per building than 54% of U.S. towns (21,298).
All of Mackinaw Township’s residents live in one census tract; the figures are that tract’s.
The typical Illinois town has higher expected damage than 54% of U.S. towns; within the state, Mackinaw Township has less expected damage per building than 51% of Illinois towns.
In dollars, FEMA expects about $2.0M a year in losses across Mackinaw Township: $1.2M to buildings, the rest to people and crops.
Does Mackinaw Township flood? Rarely: 3 flood claims since 1999
Every paid claim on a federal flood insurance policy in Mackinaw Township, from FEMA’s records: 1.6 per 1,000 homes, fewer than 67% of the 13,809 U.S. towns with a flood insurance record.
Mackinaw 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: Tazewell County.The storms Mackinaw Township remembers
None of the 12 disasters declared for Tazewell County shows FEMA aid or repair money reaching Mackinaw Township itself in FEMA’s records, so these are its biggest flood-claim years.
- 19991 flood claims paidThe year of Il-winter Storm 1/1/99, declared for Tazewell County
- 20091 flood claims paidNo declaration for the county that year
- 20151 flood claims paidNo declaration for the county that year
Tazewell County has had 12 natural disasters declared by the President since 1953, most often floods, then severe storms. Not counted: the 2005 Hurricane Katrina evacuee emergency, which covered counties that took in evacuees.
Old photos of Mackinaw Township after a storm or flood belong in the town’s history. Add one, or share what you remember below.
Add to the Mackinaw Township archive →Mackinaw Township and its neighbors
Mackinaw Township is 3rd 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 |
|---|---|---|---|
| Tremont Township | B+less damage than 68% | river and rain flooding | — |
| Deer Creek Township | B−more damage than 54% | river and rain flooding | — |
| Mackinaw Township | B−more damage than 54% | river and rain flooding | 3 |
| Little Mackinaw Township | C+more damage than 60% | river and rain flooding | 6 |
| Danvers Township | C+more damage than 60% | river and rain flooding | 1 |
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 Mackinaw 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 Mackinaw Township
Is Mackinaw Township at risk for natural disasters?
On FEMA’s National Risk Index, Mackinaw Township has higher expected damage per building than 54% of U.S. towns: B− for hazard risk, #379 of 768 in Illinois. Most of the expected damage is river and rain flooding (75%) and tornadoes (16%). 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 Mackinaw Township flood?
Flood insurance has paid 3 claims in Mackinaw Township since 1999, $8K in all, or 1.6 per 1,000 homes, fewer than 67% of U.S. towns with a flood insurance record.
Is Mackinaw 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 Tazewell County, 17% of homes in mapped flood zones carry federal flood insurance, and 0.2% of all homes do.
How much is flood insurance in Mackinaw Township?
FEMA’s Community Rating System list shows no discount for Mackinaw Township’s flood program. Premiums depend on the building; policies usually start 30 days after you buy, so get a quote early.
Is Mackinaw Township at risk from river and rain flooding?
It is the largest share of the building damage FEMA expects here (75%), and Mackinaw Township’s rate for it is higher than 64% of U.S. census tracts.
Storm stories
Memories, warnings and help from neighbors in Mackinaw Township.
Sources: FEMA National Risk Index v1.20 (December 2025), census-tract table, combined by where Mackinaw 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.