FEMA expects more hazard damage per building in Mound Township than in 62% of U.S. towns, mostly from river and rain flooding
On FEMA’s National Risk Index, Mound Township gets a C+ for hazard risk: higher expected damage per building than 62% of U.S. towns, #476 of 768 in Illinois. Most of that expected damage is river and rain flooding (58%), then earthquakes (26%). Flood insurance has paid 1 claim here since 1990.
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 Mound 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
Earthquakes
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 Mound Township’s grade
River and rain flooding is 58% of the building damage FEMA expects in Mound Township, and Mound Township’s rate of river and rain flooding damage is higher than 54% of U.S. census tracts. Next is earthquakes at 26% (higher than 83% of U.S. census tracts).
C+ #476 of 768 in Illinois; higher expected damage per building than 62% of U.S. towns (21,298).
All of Mound 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, Mound Township has more expected damage per building than 62% of Illinois towns.
In dollars, FEMA expects about $2.3M a year in losses across Mound Township: $1.3M to buildings, the rest to people and crops.
Does Mound Township flood? Rarely: 1 flood claim since 1990
Every paid claim on a federal flood insurance policy in Mound Township, from FEMA’s records: 0.6 per 1,000 homes, fewer than 86% of the 13,809 U.S. towns with a flood insurance record.
Mound 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: Effingham County.The storms Mound Township remembers
None of the 4 disasters declared for Effingham County shows FEMA aid or repair money reaching Mound Township itself in FEMA’s records, so these are its biggest flood-claim years.
- 19901 flood claims paidNo declaration for the county that year
Effingham County has had 4 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 Mound Township after a storm or flood belong in the town’s history. Add one, or share what you remember below.
Add to the Mound Township archive →Mound Township and its neighbors
Mound Township is 2nd of the 3 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 |
|---|---|---|---|
| Jackson Township | B−more damage than 54% | river and rain flooding | — |
| Mound Township | C+more damage than 62% | river and rain flooding | 1 |
| Avena Township | Cmore damage than 66% | river and rain flooding | — |
| West Township | — | 376 residents; we grade 1,000+ | |
| Moccasin Township | — | 305 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 Mound 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.
- Drop, cover and hold on.
- Strap tall furniture and the water heater to the wall.
- Know how to shut off the gas.
- 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 Mound Township
Is Mound Township at risk for natural disasters?
On FEMA’s National Risk Index, Mound Township has higher expected damage per building than 62% of U.S. towns: C+ for hazard risk, #476 of 768 in Illinois. Most of the expected damage is river and rain flooding (58%) and earthquakes (26%). 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 Mound Township flood?
Flood insurance has paid 1 claim in Mound Township since 1990, $1K in all, or 0.6 per 1,000 homes, fewer than 86% of U.S. towns with a flood insurance record.
Is Mound 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 Effingham County, 0.1% of all homes carry federal flood insurance.
How much is flood insurance in Mound Township?
FEMA’s Community Rating System list shows no discount for Mound Township’s flood program. Premiums depend on the building; policies usually start 30 days after you buy, so get a quote early.
Is Mound Township at risk from river and rain flooding?
It is the largest share of the building damage FEMA expects here (58%), and Mound Township’s rate for it is higher than 54% of U.S. census tracts.
Storm stories
Memories, warnings and help from neighbors in Mound Township.
Sources: FEMA National Risk Index v1.20 (December 2025), census-tract table, combined by where Mound 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.