Magnolia Township’s building-damage rate from strong wind is in the top 3% of U.S. census tracts
On FEMA’s National Risk Index, Magnolia 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 (72%), then tornadoes (13%). 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 Magnolia 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
Strong wind
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 Magnolia Township’s grade
River and rain flooding is 72% of the building damage FEMA expects in Magnolia Township, and Magnolia Township’s rate of river and rain flooding damage is higher than 50% of U.S. census tracts. Strong wind adds 9%, at a rate in the top 3% of U.S. census tracts.
B lower expected damage per building than 61% of U.S. towns (21,298).
All of Magnolia Township’s residents live in one census tract; the figures are that tract’s.
In dollars, FEMA expects about $948K a year in losses across Magnolia Township: $693K to buildings, the rest to people and crops.
Does Magnolia Township flood? No paid flood claims on record
FEMA’s records show no paid flood insurance claims in Magnolia Township. That’s not a promise: most homes don’t carry flood insurance, so small floods go unrecorded.
Magnolia 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: Putnam County.4 federal disasters brought FEMA money to Magnolia Township
Disasters that paid out in Magnolia Township itself (aid to households or repair grants to Magnolia Township), newest first, with that year’s flood claims.
- 2013Severe Storms, Straight-line Winds, and Flooding$12K to Magnolia Township for repairs
- 2011Severe Winter Storm and Snowstorm$4K to Magnolia Township for repairs
- 2006Snow$7K to Magnolia Township for repairs
- 1999Il-winter Storm 1/1/99$4K to Magnolia Township for repairs
Putnam 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 Magnolia Township after a storm or flood belong in the town’s history. Add one, or share what you remember below.
Add to the Magnolia Township archive →Magnolia Township and its neighbors
Magnolia Township is 3rd of the 4 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 |
|---|---|---|---|
| Granville Township | Bless damage than 62% | river and rain flooding | 1 |
| Hennepin Township | Bless damage than 61% | river and rain flooding | 47 |
| Magnolia Township | Bless damage than 61% | river and rain flooding | 0 |
| Henry | C+more damage than 57% | river and rain flooding | 24 |
| Henry Township | — | not graded yet | |
| Hope Township | — | 640 residents; we grade 1,000+ | |
| Hopewell Township | — | 418 residents; we grade 1,000+ | |
| Roberts Township | — | 875 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 Magnolia 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.
- Trim dead limbs over the house and driveway.
- Tie down trash cans and outdoor furniture.
- Stay clear of downed lines and call the utility.
- 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 Magnolia Township
Is Magnolia Township at risk for natural disasters?
On FEMA’s National Risk Index, Magnolia 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 (72%) and tornadoes (13%). 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 Magnolia 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 Putnam County, 14% of homes in mapped flood zones carry federal flood insurance, and 0.3% of all homes do.
How much is flood insurance in Magnolia Township?
FEMA’s Community Rating System list shows no discount for Magnolia 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 Magnolia Township?
By FEMA money that reached Magnolia Township, Severe Storms, Straight-line Winds, and Flooding (2013): $12K to Magnolia Township for repairs.
Is Magnolia Township at risk from river and rain flooding?
It is the largest share of the building damage FEMA expects here (72%), and Magnolia Township’s rate for it is higher than 50% of U.S. census tracts.
Storm stories
Memories, warnings and help from neighbors in Magnolia Township.
Sources: FEMA National Risk Index v1.20 (December 2025), census-tract table, combined by where Magnolia 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.