FEMA puts Middleport Township’s expected hazard damage per building above that of 96% of U.S. towns, mostly from river and rain flooding
On FEMA’s National Risk Index, Middleport Township gets a D− for hazard risk: higher expected damage per building than 96% of U.S. towns, #766 of 768 in Illinois. Most of that expected damage is river and rain flooding (93%). Flood insurance has paid 448 claims here since 1979.
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 stands out about Middleport Township’s natural hazards
From FEMA’s model and FEMA’s records, below.
What Middleport 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
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 Middleport Township’s grade
River and rain flooding is 93% of the building damage FEMA expects in Middleport Township, and Middleport Township’s rate of river and rain flooding damage is in the top 1% of U.S. census tracts.
D− #766 of 768 in Illinois; higher expected damage per building than 96% of U.S. towns (21,298).
Middleport Township’s residents live in 4 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, Middleport Township has more expected damage per building than 100% of Illinois towns.
In dollars, FEMA expects about $6.9M a year in losses across Middleport Township: $5.3M to buildings, the rest to people and crops.
Does Middleport Township flood? Yes: 448 flood claims since 1979
Every paid claim on a federal flood insurance policy in Middleport Township, from FEMA’s records: 230.2 per 1,000 homes, more than 98% of the 13,809 U.S. towns with a flood insurance record.
- The Early winter storms27 claims · $247K
- Hurricane Ike1 claim · $32K
- The Midwest Flooding1 claim · $191K
Middleport 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: Iroquois County.1 federal disaster brought FEMA money to Middleport Township
Disasters that paid out in Middleport Township itself (aid to households or repair grants to Middleport Township), newest first, with that year’s flood claims.
- 1999Il-winter Storm 1/1/99$7K to Middleport Township for repairs
Iroquois County has had 6 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.
Old photos of Middleport Township after a storm or flood belong in the town’s history. Add one, or share what you remember below.
Add to the Middleport Township archive →Middleport Township and its neighbors
Middleport Township is 2nd of the 2 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 |
|---|---|---|---|
| Belmont Township | Dmore damage than 94% | river and rain flooding | — |
| Middleport Township | D−more damage than 96% | river and rain flooding | 448 |
| Iroquois Township | — | 465 residents; we grade 1,000+ | |
| Concord Township | — | 370 residents; we grade 1,000+ | |
| Martinton Township | — | 939 residents; we grade 1,000+ | |
| Crescent Township | — | 482 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 Middleport 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.
- 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 Middleport Township
Is Middleport Township at risk for natural disasters?
On FEMA’s National Risk Index, Middleport Township has higher expected damage per building than 96% of U.S. towns: D− for hazard risk, #766 of 768 in Illinois. Most of the expected damage is river and rain flooding (93%). This is FEMA’s model of an average year for today’s buildings, not a forecast.
Does Middleport Township flood?
Flood insurance has paid 448 claims in Middleport Township since 1979, $11.0M in all, or 230.2 per 1,000 homes, more than 98% of U.S. towns with a flood insurance record. The most claims came from Early winter storms (27).
Is Middleport 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 Iroquois County, 17% of homes in mapped flood zones carry federal flood insurance, and 2.0% of all homes do.
How much is flood insurance in Middleport Township?
FEMA’s Community Rating System list shows no discount for Middleport 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 Middleport Township?
By FEMA money that reached Middleport Township, Il-winter Storm 1/1/99 (1999): $7K to Middleport Township for repairs. By flood claims, Early winter storms: 27 paid, $247K.
Is Middleport Township at risk from river and rain flooding?
It is the largest share of the building damage FEMA expects here (93%), and Middleport Township’s rate for it is in the top 1% of U.S. census tracts.
Storm stories
Memories, warnings and help from neighbors in Middleport Township.
Sources: FEMA National Risk Index v1.20 (December 2025), census-tract table, combined by where Middleport 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.