Robert and Elizabeth Muirhead House · Photo: Jim Roberts · CC BY-SA 3.0FEMA puts Plato Township’s expected hazard damage per building below that of 70% of U.S. towns, mostly from river and rain flooding
On FEMA’s National Risk Index, Plato Township gets a B+ for hazard risk: lower expected damage per building than 70% of U.S. towns, #139 of 768 in Illinois. Most of that expected damage is river and rain flooding (84%), then tornadoes (13%). 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 Plato 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
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 Plato Township’s grade
River and rain flooding is 84% of the building damage FEMA expects in Plato Township, and Plato Township’s rate of river and rain flooding damage is higher than 53% of U.S. census tracts. Next is tornadoes at 13% (higher than 80% of U.S. census tracts).
B+ #139 of 768 in Illinois; lower expected damage per building than 70% of U.S. towns (21,298).
Plato Township’s residents live in 5 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, Plato Township has less expected damage per building than 82% of Illinois towns.
In dollars, FEMA expects about $4.5M a year in losses across Plato Township: $3.0M to buildings, the rest to people and crops.
Does Plato Township flood? No paid flood claims on record
FEMA’s records show no paid flood insurance claims in Plato Township. That’s not a promise: most homes don’t carry flood insurance, so small floods go unrecorded.
Plato 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: Kane County.The storms Plato Township remembers
None of the 13 disasters declared for Kane County shows FEMA aid or repair money reaching Plato Township itself in FEMA’s records, so these are its biggest flood-claim years.
Kane 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.
Plato Township and its neighbors
Plato Township is 3rd 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 |
|---|---|---|---|
| Burlington Township | Aless damage than 87% | river and rain flooding | — |
| Rutland Township | A−less damage than 78% | river and rain flooding | — |
| Plato Township | B+less damage than 70% | river and rain flooding | 0 |
| Campton Township | B+less damage than 70% | river and rain flooding | — |
| Campton Hills | B+less damage than 65% | river and rain flooding | — |
| Elgin | B−less damage than 53% | river and rain flooding | 115 |
| Elgin Township | — | not graded yet | |
| Hampshire 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 Plato 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.
- 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 Plato Township
Is Plato Township at risk for natural disasters?
On FEMA’s National Risk Index, Plato Township has lower expected damage per building than 70% of U.S. towns: B+ for hazard risk, #139 of 768 in Illinois. Most of the expected damage is river and rain flooding (84%) and tornadoes (13%). This is FEMA’s model of an average year for today’s buildings, not a forecast.
Is Plato 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 Kane County, 28% of homes in mapped flood zones carry federal flood insurance, and 0.4% of all homes do.
How much is flood insurance in Plato Township?
FEMA’s Community Rating System list shows no discount for Plato Township’s flood program. Premiums depend on the building; policies usually start 30 days after you buy, so get a quote early.
Is Plato Township at risk from river and rain flooding?
It is the largest share of the building damage FEMA expects here (84%), and Plato Township’s rate for it is higher than 53% of U.S. census tracts.
Storm stories
Memories, warnings and help from neighbors in Plato Township.
Sources: FEMA National Risk Index v1.20 (December 2025), census-tract table, combined by where Plato 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.