FEMA expects less hazard damage per building in Reed Township than in 85% of U.S. towns, mostly from river and rain flooding
On FEMA’s National Risk Index, Reed Township gets an A for hazard risk: lower expected damage per building than 85% of U.S. towns, #42 of 768 in Illinois. Most of that expected damage is river and rain flooding (77%), then tornadoes (18%). Flood insurance has paid 10 claims here since 1979.
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 Reed 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 Reed Township’s grade
River and rain flooding is 77% of the building damage FEMA expects in Reed Township, and Reed Township’s rate of river and rain flooding damage is lower than 68% of U.S. census tracts. Next is tornadoes at 18% (higher than 84% of U.S. census tracts).
A #42 of 768 in Illinois; lower expected damage per building than 85% of U.S. towns (21,298).
Reed 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, Reed Township has less expected damage per building than 95% of Illinois towns.
In dollars, FEMA expects about $2.7M a year in losses across Reed Township: $1.4M to buildings, the rest to people and crops.
Does Reed Township flood? Sometimes: 10 flood claims since 1979
Every paid claim on a federal flood insurance policy in Reed Township, from FEMA’s records: 3.0 per 1,000 homes, fewer than 52% of the 13,809 U.S. towns with a flood insurance record.
- The Mid-spring storms1 claim · $15K
Reed 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: Will County.The storms Reed Township remembers
None of the 16 disasters declared for Will County shows FEMA aid or repair money reaching Reed Township itself in FEMA’s records, so these are its biggest flood-claim years.
- 19824 flood claims paidNo declaration for the county that year
- 19842 flood claims paidNo declaration for the county that year
- 19791 flood claims paidThe year of Blizzards and Snowstorms, declared for Will County
Will County has had 16 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 Reed Township after a storm or flood belong in the town’s history. Add one, or share what you remember below.
Add to the Reed Township archive →Reed Township and its neighbors
Reed Township is 2nd of the 4 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 |
|---|---|---|---|
| Braidwood | Aless damage than 86% | river and rain flooding | 1 |
| Reed Township | Aless damage than 85% | river and rain flooding | 10 |
| Braceville Township | Bless damage than 65% | river and rain flooding | 1 |
| Custer Township | Dmore damage than 88% | river and rain flooding | 2 |
| Wilmington 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 Reed 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 Reed Township
Is Reed Township at risk for natural disasters?
On FEMA’s National Risk Index, Reed Township has lower expected damage per building than 85% of U.S. towns: A for hazard risk, #42 of 768 in Illinois. Most of the expected damage is river and rain flooding (77%) and tornadoes (18%). This is FEMA’s model of an average year for today’s buildings, not a forecast.
Does Reed Township flood?
Flood insurance has paid 10 claims in Reed Township since 1979, $195K in all, or 3.0 per 1,000 homes, fewer than 52% of U.S. towns with a flood insurance record. The most claims came from Mid-spring storms (1).
Is Reed 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 Will County, 23% of homes in mapped flood zones carry federal flood insurance, and 0.5% of all homes do.
How much is flood insurance in Reed Township?
FEMA’s Community Rating System list shows no discount for Reed 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 Reed Township?
By flood claims, Mid-spring storms: 1 paid, $15K.
Is Reed Township at risk from river and rain flooding?
It is the largest share of the building damage FEMA expects here (77%), and Reed Township’s rate for it is lower than 68% of U.S. census tracts.
Storm stories
Memories, warnings and help from neighbors in Reed Township.
Sources: FEMA National Risk Index v1.20 (December 2025), census-tract table, combined by where Reed 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.