FEMA expects more hazard damage per building in Martin Township than in 66% of U.S. towns, mostly from river and rain flooding
On FEMA’s National Risk Index, Martin Township gets a C for hazard risk: higher expected damage per building than 66% of U.S. towns. Most of that expected damage is river and rain flooding (78%), then tornadoes (11%). Flood insurance has paid 8 claims here since 1982.
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 Martin 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
Earthquakes
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 Martin Township’s grade
River and rain flooding is 78% of the building damage FEMA expects in Martin Township, and Martin Township’s rate of river and rain flooding damage is higher than 75% of U.S. census tracts. Next is tornadoes at 11% (higher than 90% of U.S. census tracts).
C higher expected damage per building than 66% of U.S. towns (21,298).
Martin Township’s residents live in 2 census tracts; FEMA’s figures are combined by where they live.
In dollars, FEMA expects about $780K a year in losses across Martin Township: $400K to buildings, the rest to people and crops.
Does Martin Township flood? Rarely: 8 flood claims since 1982
Every paid claim on a federal flood insurance policy in Martin Township, from FEMA’s records: 16.4 per 1,000 homes, more than 81% of the 13,809 U.S. towns with a flood insurance record.
Martin 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: McLean County.The storms Martin Township remembers
None of the 8 disasters declared for McLean County shows FEMA aid or repair money reaching Martin Township itself in FEMA’s records, so these are its biggest flood-claim years.
- 19822 flood claims paidNo declaration for the county that year
- 20152 flood claims paidNo declaration for the county that year
- 19931 flood claims paidNo declaration for the county that year
McLean County has had 8 natural disasters declared by the President since 1953, most often winter storms, then severe storms. Not counted: the 2005 Hurricane Katrina evacuee emergency, which covered counties that took in evacuees.
Old photos of Martin Township after a storm or flood belong in the town’s history. Add one, or share what you remember below.
Add to the Martin Township archive →Martin Township and its neighbors
Martin Township has the lowest expected damage per building of the 1 graded towns here. Tap a town to see its hazards.
| Town | Hazard risk | Mostly (buildings) | Flood claims |
|---|---|---|---|
| Martin Township | Cmore damage than 66% | river and rain flooding | 8 |
| Anchor Township | — | 251 residents; we grade 1,000+ | |
| Lawndale Township | — | 135 residents; we grade 1,000+ | |
| Blue Mound Township | — | 468 residents; we grade 1,000+ | |
| Arrowsmith Township | — | 597 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 Martin 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.
- Drop, cover and hold on.
- Strap tall furniture and the water heater to the wall.
- Know how to shut off the gas.
- 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 Martin Township
Is Martin Township at risk for natural disasters?
On FEMA’s National Risk Index, Martin Township has higher expected damage per building than 66% of U.S. towns: C for hazard risk. Most of the expected damage is river and rain flooding (78%) and tornadoes (11%). This is FEMA’s model of an average year for today’s buildings, not a forecast.
Does Martin Township flood?
Flood insurance has paid 8 claims in Martin Township since 1982, $111K in all, or 16.4 per 1,000 homes, more than 81% of U.S. towns with a flood insurance record.
Is Martin 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 McLean County, 13% of homes in mapped flood zones carry federal flood insurance, and 0.2% of all homes do.
How much is flood insurance in Martin Township?
FEMA’s Community Rating System list shows no discount for Martin Township’s flood program. Premiums depend on the building; policies usually start 30 days after you buy, so get a quote early.
Is Martin Township at risk from river and rain flooding?
It is the largest share of the building damage FEMA expects here (78%), and Martin Township’s rate for it is higher than 75% of U.S. census tracts.
Storm stories
Memories, warnings and help from neighbors in Martin Township.
Sources: FEMA National Risk Index v1.20 (December 2025), census-tract table, combined by where Martin 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.