FEMA puts Northville Township’s expected hazard damage per building below that of 82% of U.S. towns, mostly from river and rain flooding
On FEMA’s National Risk Index, Northville Township gets an A− for hazard risk: lower expected damage per building than 82% of U.S. towns, #60 of 768 in Illinois. Most of that expected damage is river and rain flooding (81%). FEMA’s files show no paid flood insurance claims here.
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 Northville 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 Northville Township’s grade
River and rain flooding is 81% of the building damage FEMA expects in Northville Township, and Northville Township’s rate of river and rain flooding damage is lower than 61% of U.S. census tracts. Next is tornadoes at 10% (higher than 65% of U.S. census tracts).
A− #60 of 768 in Illinois; lower expected damage per building than 82% of U.S. towns (21,298).
Northville Township’s residents live in 2 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, Northville Township has less expected damage per building than 92% of Illinois towns.
In dollars, FEMA expects about $3.0M a year in losses across Northville Township: $1.5M to buildings, the rest to people and crops.
Does Northville Township flood? No paid flood claims on record
FEMA’s records show no paid flood insurance claims in Northville Township. That’s not a promise: most homes don’t carry flood insurance, so small floods go unrecorded.
Northville 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: La Salle County.1 federal disaster brought FEMA money to Northville Township
Disasters that paid out in Northville Township itself (aid to households or repair grants to Northville Township), newest first, with that year’s flood claims.
- 1999Il-winter Storm 1/1/99$3K to Northville Township for repairs
La Salle County has had 17 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 Northville Township after a storm or flood belong in the town’s history. Add one, or share what you remember below.
Add to the Northville Township archive →Northville Township and its neighbors
Northville Township has the lowest expected damage per building of the 5 graded towns here. Tap a town to see its hazards.
| Town | Hazard risk | Mostly (buildings) | Flood claims |
|---|---|---|---|
| Northville Township | A−less damage than 82% | river and rain flooding | 0 |
| Adams Township | A−less damage than 76% | river and rain flooding | 33 |
| Fox Township | B+less damage than 65% | river and rain flooding | 1 |
| Serena Township | Bless damage than 63% | river and rain flooding | — |
| Mission Township | B−less damage than 52% | river and rain flooding | — |
| Somonauk Township | — | not graded yet | |
| Millington | — | 729 residents; we grade 1,000+ | |
| Sandwich 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.
Get ready for what Northville 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 Northville Township
Is Northville Township at risk for natural disasters?
On FEMA’s National Risk Index, Northville Township has lower expected damage per building than 82% of U.S. towns: A− for hazard risk, #60 of 768 in Illinois. Most of the expected damage is river and rain flooding (81%) and tornadoes (10%). This is FEMA’s model of an average year for today’s buildings, not a forecast.
Is Northville 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 La Salle County, 20% of homes in mapped flood zones carry federal flood insurance, and 0.5% of all homes do.
How much is flood insurance in Northville Township?
FEMA’s Community Rating System list shows no discount for Northville 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 Northville Township?
By FEMA money that reached Northville Township, Il-winter Storm 1/1/99 (1999): $3K to Northville Township for repairs.
Is Northville Township at risk from river and rain flooding?
It is the largest share of the building damage FEMA expects here (81%), and Northville Township’s rate for it is lower than 61% of U.S. census tracts.
Storm stories
Memories, warnings and help from neighbors in Northville Township.
Sources: FEMA National Risk Index v1.20 (December 2025), census-tract table, combined by where Northville 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.