FEMA expects less hazard damage per building in Oneco Township than in 68% of U.S. towns, mostly from river and rain flooding
On FEMA’s National Risk Index, Oneco Township gets a B+ for hazard risk: lower expected damage per building than 68% of U.S. towns. Most of that expected damage is river and rain flooding (69%), then tornadoes (14%). 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 Oneco 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
Hail
Strong wind
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 Oneco Township’s grade
River and rain flooding is 69% of the building damage FEMA expects in Oneco Township, and Oneco Township’s rate of river and rain flooding damage is lower than 60% of U.S. census tracts. Strong wind adds 5%, at a rate in the top 9% of U.S. census tracts.
B+ lower expected damage per building than 68% of U.S. towns (21,298).
Oneco Township’s residents live in 3 census tracts; FEMA’s figures are combined by where they live.
In dollars, FEMA expects about $1.1M a year in losses across Oneco Township: $868K to buildings, the rest to people and crops.
Does Oneco Township flood? No paid flood claims on record
FEMA’s records show no paid flood insurance claims in Oneco Township. That’s not a promise: most homes don’t carry flood insurance, so small floods go unrecorded.
Oneco 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: Stephenson County.1 federal disaster brought FEMA money to Oneco Township
Disasters that paid out in Oneco Township itself (aid to households or repair grants to Oneco Township), newest first, with that year’s flood claims.
- 2006Snow$2K to Oneco Township for repairs
Stephenson County has had 11 natural disasters declared by the President since 1953, most often floods, then winter storms. Not counted: the 2005 Hurricane Katrina evacuee emergency, which covered counties that took in evacuees.
Old photos of Oneco Township after a storm or flood belong in the town’s history. Add one, or share what you remember below.
Add to the Oneco Township archive →Oneco Township and its neighbors
Oneco Township is 3rd of the 5 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 |
|---|---|---|---|
| Rock Grove Township | A−less damage than 80% | river and rain flooding | — |
| Clarno | B+less damage than 75% | river and rain flooding | — |
| Oneco Township | B+less damage than 68% | river and rain flooding | 0 |
| Buckeye Township | B+less damage than 68% | river and rain flooding | 15 |
| Jefferson | Bless damage than 61% | river and rain flooding | — |
| Winslow Township | — | 499 residents; we grade 1,000+ | |
| Cadiz | — | 653 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 Oneco 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.
- 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.
- Trim dead limbs over the house and driveway.
- Tie down trash cans and outdoor furniture.
- Stay clear of downed lines and call the utility.
- 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 Oneco Township
Is Oneco Township at risk for natural disasters?
On FEMA’s National Risk Index, Oneco Township has lower expected damage per building than 68% of U.S. towns: B+ for hazard risk. Most of the expected damage is river and rain flooding (69%) and tornadoes (14%). This is FEMA’s model of an average year for today’s buildings, not a forecast.
Is Oneco 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 Stephenson County, 9% of homes in mapped flood zones carry federal flood insurance, and 0.3% of all homes do.
How much is flood insurance in Oneco Township?
FEMA’s Community Rating System list shows no discount for Oneco 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 Oneco Township?
By FEMA money that reached Oneco Township, Snow (2006): $2K to Oneco Township for repairs.
Is Oneco Township at risk from river and rain flooding?
It is the largest share of the building damage FEMA expects here (69%), and Oneco Township’s rate for it is lower than 60% of U.S. census tracts.
Storm stories
Memories, warnings and help from neighbors in Oneco Township.
Sources: FEMA National Risk Index v1.20 (December 2025), census-tract table, combined by where Oneco 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.