FEMA expects more hazard damage per building in Pin Oak Township than in 68% of U.S. towns, mostly from river and rain flooding
On FEMA’s National Risk Index, Pin Oak Township gets a C for hazard risk: higher expected damage per building than 68% of U.S. towns, #531 of 768 in Illinois. Most of that expected damage is river and rain flooding (64%), then earthquakes (21%). Flood insurance has paid 6 claims here since 1982.
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 Pin Oak 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 Pin Oak Township’s grade
River and rain flooding is 64% of the building damage FEMA expects in Pin Oak Township, and Pin Oak Township’s rate of river and rain flooding damage is higher than 65% of U.S. census tracts. Next is earthquakes at 21% (higher than 83% of U.S. census tracts).
C #531 of 768 in Illinois; higher expected damage per building than 68% of U.S. towns (21,298).
All of Pin Oak 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, Pin Oak Township has more expected damage per building than 69% of Illinois towns.
In dollars, FEMA expects about $2.8M a year in losses across Pin Oak Township: $1.7M to buildings, the rest to people and crops.
Does Pin Oak Township flood? Rarely: 6 flood claims since 1982
Every paid claim on a federal flood insurance policy in Pin Oak Township, from FEMA’s records: 3.7 per 1,000 homes, more than 53% of the 13,809 U.S. towns with a flood insurance record.
- The Midwest Flooding1 claim · $10K
Pin Oak 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: Madison County.The storms Pin Oak Township remembers
None of the 13 disasters declared for Madison County shows FEMA aid or repair money reaching Pin Oak Township itself in FEMA’s records, so these are its biggest flood-claim years.
- 19932 flood claims paidThe year of Severe Storms and Flooding, declared for Madison County
- 19821 flood claims paidThe year of Severe Storms, Tornadoes and Flooding, declared for Madison County
- 19831 flood claims paidThe year of Severe Storms, Tornadoes and Flooding, declared for Madison County
Madison 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 Pin Oak Township after a storm or flood belong in the town’s history. Add one, or share what you remember below.
Add to the Pin Oak Township archive →Pin Oak Township and its neighbors
Pin Oak Township is 6th of the 6 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 |
|---|---|---|---|
| Edwardsville Township | Bless damage than 55% | river and rain flooding | 40 |
| Edwardsville | B−less damage than 52% | river and rain flooding | 4 |
| Jarvis Township | C+more damage than 60% | river and rain flooding | 3 |
| Hamel Township | C+more damage than 61% | river and rain flooding | — |
| Marine Township | Cmore damage than 68% | river and rain flooding | — |
| Pin Oak Township | Cmore damage than 68% | river and rain flooding | 6 |
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 Pin Oak 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 Pin Oak Township
Is Pin Oak Township at risk for natural disasters?
On FEMA’s National Risk Index, Pin Oak Township has higher expected damage per building than 68% of U.S. towns: C for hazard risk, #531 of 768 in Illinois. Most of the expected damage is river and rain flooding (64%) and earthquakes (21%). 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 Pin Oak Township flood?
Flood insurance has paid 6 claims in Pin Oak Township since 1982, $81K in all, or 3.7 per 1,000 homes, more than 53% of U.S. towns with a flood insurance record. The most claims came from Midwest Flooding (1).
Is Pin Oak 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 Madison County, 0.8% of all homes carry federal flood insurance.
How much is flood insurance in Pin Oak Township?
FEMA’s Community Rating System list shows no discount for Pin Oak 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 Pin Oak Township?
By flood claims, Midwest Flooding: 1 paid, $10K.
Is Pin Oak Township at risk from river and rain flooding?
It is the largest share of the building damage FEMA expects here (64%), and Pin Oak Township’s rate for it is higher than 65% of U.S. census tracts.
Storm stories
Memories, warnings and help from neighbors in Pin Oak Township.
Sources: FEMA National Risk Index v1.20 (December 2025), census-tract table, combined by where Pin Oak 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.