Photo: Sea Cow · CC BY-SA 4.0On FEMA’s figures, Naperville Township faces less hazard damage per building than 72% of U.S. towns, mostly from river and rain flooding
On FEMA’s National Risk Index, Naperville Township gets a B+ for hazard risk: lower expected damage per building than 72% of U.S. towns, #132 of 768 in Illinois. Most of that expected damage is river and rain flooding (82%), then tornadoes (12%). Flood insurance has paid 56 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 Naperville Township’s natural hazards
From FEMA’s model and FEMA’s records, below.
What Naperville 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 Naperville Township’s grade
River and rain flooding is 82% of the building damage FEMA expects in Naperville Township, and Naperville Township’s rate of river and rain flooding damage is higher than 50% of U.S. census tracts. Next is tornadoes at 12% (higher than 75% of U.S. census tracts).
B+ #132 of 768 in Illinois; lower expected damage per building than 72% of U.S. towns (21,298).
Naperville Township’s residents live in 23 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, Naperville Township has less expected damage per building than 83% of Illinois towns.
Among the 400 U.S. cities of 100,000 or more, Naperville Township has lower expected damage per building than 83% (#68 of 400). Because it is so big, its total expected yearly loss, $42.1M, is the 281th largest of those 400.
Does Naperville Township flood? Sometimes: 56 flood claims since 1979
Every paid claim on a federal flood insurance policy in Naperville Township, from FEMA’s records: 1.3 per 1,000 homes, fewer than 72% of the 13,809 U.S. towns with a flood insurance record.
- The Mid-spring storms9 claims · $234K
- Hurricane Ike6 claims · $86K
Naperville 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: DuPage County.The storms Naperville Township remembers
None of the 13 disasters declared for DuPage County shows FEMA aid or repair money reaching Naperville Township itself in FEMA’s records, so these are its biggest flood-claim years.
- 199616 flood claims paidThe year of Severe Storms and Flooding, declared for DuPage County
- 20139 flood claims paidThe year of Severe Storms, Straight-line Winds, and Flooding, declared for DuPage County
- 19837 flood claims paidNo declaration for the county that year
DuPage County has had 13 natural disasters declared by the President since 1953, most often severe storms, then floods. Not counted: the 2005 Hurricane Katrina evacuee emergency, which covered counties that took in evacuees.
Old photos of Naperville Township after a storm or flood belong in the town’s history. Add one, or share what you remember below.
Add to the Naperville Township archive →Naperville Township and its neighbors
Naperville Township has the lowest expected damage per building of the 8 graded towns here. Tap a town to see its hazards.
| Town | Hazard risk | Mostly (buildings) | Flood claims |
|---|---|---|---|
| Naperville Township | B+less damage than 72% | river and rain flooding | 56 |
| Aurora | B+less damage than 66% | river and rain flooding | 207 |
| Lisle Township | Bless damage than 63% | river and rain flooding | 348 |
| Aurora Township | Bless damage than 62% | river and rain flooding | 246 |
| Naperville | B−less damage than 53% | river and rain flooding | 116 |
| Wheatland Township | B−less damage than 51% | river and rain flooding | 8 |
| Winfield Township | C+more damage than 55% | river and rain flooding | 99 |
| Warrenville | C+more damage than 62% | river and rain flooding | 34 |
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 Naperville 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 Naperville Township
Is Naperville Township at risk for natural disasters?
On FEMA’s National Risk Index, Naperville Township has lower expected damage per building than 72% of U.S. towns: B+ for hazard risk, #132 of 768 in Illinois. Most of the expected damage is river and rain flooding (82%) and tornadoes (12%). This is FEMA’s model of an average year for today’s buildings, not a forecast.
Does Naperville Township flood?
Flood insurance has paid 56 claims in Naperville Township since 1979, $550K in all, or 1.3 per 1,000 homes, fewer than 72% of U.S. towns with a flood insurance record. The most claims came from Mid-spring storms (9).
Is Naperville 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 DuPage County, 41% of homes in mapped flood zones carry federal flood insurance, and 0.6% of all homes do.
How much is flood insurance in Naperville Township?
FEMA’s Community Rating System list shows no discount for Naperville 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 Naperville Township?
By flood claims, Mid-spring storms: 9 paid, $234K.
Is Naperville Township at risk from river and rain flooding?
It is the largest share of the building damage FEMA expects here (82%), and Naperville Township’s rate for it is higher than 50% of U.S. census tracts.
Storm stories
Memories, warnings and help from neighbors in Naperville Township.
Sources: FEMA National Risk Index v1.20 (December 2025), census-tract table, combined by where Naperville 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.