FEMA expects about as much hazard damage per building in North Litchfield Township as in the typical U.S. town, mostly from river and rain flooding
On FEMA’s National Risk Index, North Litchfield Township gets a B− for hazard risk: lower expected damage per building than 51% of U.S. towns, #326 of 768 in Illinois. Most of that expected damage is river and rain flooding (53%), then earthquakes (24%). Flood insurance has paid 1 claim here since 1983.
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 North Litchfield 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
Hail
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 North Litchfield Township’s grade
River and rain flooding is 53% of the building damage FEMA expects in North Litchfield Township, and North Litchfield Township’s rate of river and rain flooding damage is lower than 66% of U.S. census tracts. Strong wind adds 5%, at a rate in the top 7% of U.S. census tracts.
B− #326 of 768 in Illinois; lower expected damage per building than 51% of U.S. towns (21,298).
North Litchfield Township’s residents live in 3 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, North Litchfield Township has less expected damage per building than 58% of Illinois towns.
In dollars, FEMA expects about $3.4M a year in losses across North Litchfield Township: $2.0M to buildings, the rest to people and crops.
Does North Litchfield Township flood? Rarely: 1 flood claim since 1983
Every paid claim on a federal flood insurance policy in North Litchfield Township, from FEMA’s records: 0.4 per 1,000 homes, fewer than 91% of the 13,809 U.S. towns with a flood insurance record.
North Litchfield 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: Montgomery County.The storms North Litchfield Township remembers
None of the 4 disasters declared for Montgomery County shows FEMA aid or repair money reaching North Litchfield Township itself in FEMA’s records, so these are its biggest flood-claim years.
- 19831 flood claims paidNo declaration for the county that year
Montgomery 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 North Litchfield Township after a storm or flood belong in the town’s history. Add one, or share what you remember below.
Add to the North Litchfield Township archive →North Litchfield Township and its neighbors
North Litchfield Township is 3rd 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 |
|---|---|---|---|
| South Litchfield Township | B−less damage than 51% | river and rain flooding | 4 |
| Litchfield | B−less damage than 51% | river and rain flooding | 1 |
| North Litchfield Township | B−less damage than 51% | river and rain flooding | 1 |
| Butler Grove Township | — | 799 residents; we grade 1,000+ | |
| Zanesville Township | — | 416 residents; we grade 1,000+ | |
| Honey Point Township | — | 273 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 North Litchfield 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.
- Park in a garage or under cover when storms are forecast.
- Stay away from windows while it falls.
- Photograph roof and car damage for your insurer.
- 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 North Litchfield Township
Is North Litchfield Township at risk for natural disasters?
On FEMA’s National Risk Index, North Litchfield Township has lower expected damage per building than 51% of U.S. towns: B− for hazard risk, #326 of 768 in Illinois. Most of the expected damage is river and rain flooding (53%) and earthquakes (24%). This is FEMA’s model of an average year for today’s buildings, not a forecast.
Does North Litchfield Township flood?
Flood insurance has paid 1 claim in North Litchfield Township since 1983, $3K in all, or 0.4 per 1,000 homes, fewer than 91% of U.S. towns with a flood insurance record.
Is North Litchfield 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 Montgomery County, 0.0% of all homes carry federal flood insurance.
How much is flood insurance in North Litchfield Township?
FEMA’s Community Rating System list shows no discount for North Litchfield Township’s flood program. Premiums depend on the building; policies usually start 30 days after you buy, so get a quote early.
Is North Litchfield Township at risk from river and rain flooding?
It is the largest share of the building damage FEMA expects here (53%), and North Litchfield Township’s rate for it is lower than 66% of U.S. census tracts.
Storm stories
Memories, warnings and help from neighbors in North Litchfield Township.
Sources: FEMA National Risk Index v1.20 (December 2025), census-tract table, combined by where North Litchfield 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.