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CHazard risk
Natural hazards in Money Creek Township · FEMA

On FEMA’s figures, Money Creek Township faces more hazard damage per building than 70% of U.S. towns, mostly from river and rain flooding

On FEMA’s National Risk Index, Money Creek Township gets a C for hazard risk: higher expected damage per building than 70% of U.S. towns. Most of that expected damage is river and rain flooding (81%), then tornadoes (11%). Flood insurance has paid 12 claims here since 1979.

River and rain flooding 81%Tornadoes 11%Hail 3%

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

more than 70%of U.S. townsLess damageMoreExpected yearly damage per dollar of building, vs. the 21,298 U.S. towns we grade
Hazard risk
C
in Illinois · higher than 70% of U.S. towns
Main hazard
River and rain flooding
81% of expected building damage
Flood claims
12
paid since 1979 · $44K
Disasters paid out here
2
of 8 declared for McLean County
By hazard

What Money Creek 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

81%of expected building damage
Above average · higher than 79% of U.S. census tracts
Recorded about once a year in the area

Tornadoes

11%of expected building damage
Well above average · higher than 90% of U.S. census tracts
Recorded about once every 6 years in the area
Smaller shares here
 Hail Earthquakes Strong wind Ice storms Winter storms Lightning Hurricanes Wildfire Cold waves Heat waves top 3% 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 cold waves at 25% of Money Creek Township’s expected losses. Cold waves do 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 Money Creek Township’s grade

River and rain flooding is 81% of the building damage FEMA expects in Money Creek Township, and Money Creek Township’s rate of river and rain flooding damage is higher than 79% of U.S. census tracts. Next is tornadoes at 11% (higher than 90% of U.S. census tracts).

Where Money Creek Township sits
Money Creek Township
Least damageMiddleMost damage

C higher expected damage per building than 70% of U.S. towns (21,298).

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

What drives the damage to buildings
River and rain flooding81%Tornadoes11%Hail3%Everything else6%

In dollars, FEMA expects about $642K a year in losses across Money Creek Township: $371K to buildings, the rest to people and crops.

Shared tract.All of Money Creek Township’s 1,047 residents (2020 census) live in one census tract, which it shares with Hudson township (2,482 residents) and Gridley township (1,902 residents) and Hudson village (1,753 residents) and Gridley village (1,456 residents) and Towanda village (431 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 Money Creek Township flood? Sometimes: 12 flood claims since 1979

Every paid claim on a federal flood insurance policy in Money Creek Township, from FEMA’s records: 38.0 per 1,000 homes, more than 90% of the 13,809 U.S. towns with a flood insurance record.

Paid flood claims, by year
1979: 2 claims1980: 3 claims1981: 0 claims1982: 2 claims1983: 0 claims1984: 0 claims1985: 0 claims1986: 1 claim1987: 0 claims1988: 0 claims1989: 0 claims1990: 0 claims1991: 0 claims1992: 0 claims1993: 0 claims1994: 0 claims1995: 0 claims1996: 0 claims1997: 0 claims1998: 0 claims1999: 0 claims2000: 0 claims2001: 0 claims2002: 0 claims2003: 1 claim2004: 2 claims2005: 0 claims2006: 0 claims2007: 0 claims2008: 1 claim2009: 0 claims2010: 0 claims2011: 0 claims2012: 0 claims2013: 0 claims2014: 0 claims2015: 0 claims2016: 0 claims2017: 0 claims2018: 0 claims2019: 0 claims2020: 0 claims2021: 0 claims2022: 0 claims2023: 0 claims2024: 0 claims2025: 0 claims2026: 0 claims197919801982
19792026
Biggest named events
  • Hurricane Ike1 claim · $10K
12
paid claims since 1979
$44K
paid to owners
0
homes flooded more than once
$4K
average claim
of homes in flood zones are insured
of all homes are insured
No community discount

Money Creek 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.
Disasters

2 federal disasters brought FEMA money to Money Creek Township

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

  1. 2011Severe Winter Storm and Snowstorm$3K to Money Creek Township for repairs
  2. 1999Il-winter Storm 1/1/99$3K to Money Creek Township for repairs
Disasters declared, by decade
Paid out in Money Creek TownshipMcLean County only

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.

Were you here?

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

Add to the Money Creek Township archive →
Next door

Money Creek Township and its neighbors

Money Creek Township is 4th of the 4 graded towns here, from least expected damage per building to most. Tap a town to see its hazards.

Lexington Township: not gradedTowanda Township: hazard risk CHudson Township: hazard risk CLexington: hazard risk CLexington TownshipTowanda TownshipHudson TownshipLexingtonMoney Creek Township
Lowest fifthSecondMiddleFourthHighest fifth
TownHazard riskMostly (buildings)Flood claims
LexingtonCmore damage than 65%river and rain flooding—
Towanda TownshipCmore damage than 70%river and rain flooding1
Hudson TownshipCmore damage than 70%river and rain flooding—
Money Creek TownshipCmore damage than 70%river and rain flooding12
Lexington 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 Money Creek 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 ↗
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 Money Creek Township

Is Money Creek Township at risk for natural disasters?

On FEMA’s National Risk Index, Money Creek Township has higher expected damage per building than 70% of U.S. towns: C for hazard risk. Most of the expected damage is river and rain flooding (81%) and tornadoes (11%). 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 Money Creek Township flood?

Flood insurance has paid 12 claims in Money Creek Township since 1979, $44K in all, or 38.0 per 1,000 homes, more than 90% of U.S. towns with a flood insurance record. The most claims came from Hurricane Ike (1).

Is Money Creek 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 Money Creek Township?

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

By FEMA money that reached Money Creek Township, Severe Winter Storm and Snowstorm (2011): $3K to Money Creek Township for repairs. By flood claims, Hurricane Ike: 1 paid, $10K.

Is Money Creek Township at risk from river and rain flooding?

It is the largest share of the building damage FEMA expects here (81%), and Money Creek Township’s rate for it is higher than 79% of U.S. census tracts.

Storm stories

Memories, warnings and help from neighbors in Money Creek Township.

Town Square →
Start the conversation

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