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B−Hazard risk
Natural hazards in Sand Prairie Township · FEMA

Sand Prairie Township’s building-damage rate from tornadoes is in the top 5% of U.S. census tracts

On FEMA’s National Risk Index, Sand Prairie Township gets a B− for hazard risk: lower expected damage per building than 53% of U.S. towns. Most of that expected damage is river and rain flooding (71%), then tornadoes (18%). FEMA’s files show no paid flood insurance claims here.

River and rain flooding 71%Tornadoes 18%Earthquakes 5%

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

less than 53%of U.S. townsLess damageMoreExpected yearly damage per dollar of building, vs. the 21,298 U.S. towns we grade
Hazard risk
B−
in Illinois · lower than 53% of U.S. towns
Main hazard
River and rain flooding
71% of expected building damage
Flood claims
0
paid since 1978 · $0
Disasters paid out here
2
of 12 declared for Tazewell County
By hazard

What Sand Prairie 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

71%of expected building damage
About average · higher than 55% of U.S. census tracts
Recorded about once a year in the area

Tornadoes

18%of expected building damage
Well above average · in the top 5% of U.S. census tracts
Recorded about once every 7 years in the area

Earthquakes

5%of expected building damage
Above average · higher than 64% of U.S. census tracts
Smaller shares here
 Hail Strong wind Ice storms Winter storms Lightning Hurricanes Wildfire Cold waves Heat waves Landslides
FEMA models no building damage here
Coastal floodingAvalanchesTsunamisVolcanic activity
People, not buildings.Counting harm to people as well as buildings, FEMA’s model puts cold waves at 18% of Sand Prairie Township’s expected losses. Cold waves do little damage to buildings (0.0%), so they aren’t part of the grade.

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.

Flood risk changes street by street. Check a specific address on FEMA’s flood map, and ask about flood insurance before you buy.
Hazard risk grade

What’s behind Sand Prairie Township’s grade

River and rain flooding is 71% of the building damage FEMA expects in Sand Prairie Township, and Sand Prairie Township’s rate of river and rain flooding damage is higher than 55% of U.S. census tracts. Tornadoes add 18%, at a rate in the top 5% of U.S. census tracts.

Where Sand Prairie Township sits
Sand Prairie Township
Least damageMiddleMost damage

B− lower expected damage per building than 53% of U.S. towns (21,298).

All of Sand Prairie Township’s residents live in one census tract; the figures are that tract’s.

What drives the damage to buildings
River and rain flooding71%Tornadoes18%Earthquakes5%Everything else6%

In dollars, FEMA expects about $753K a year in losses across Sand Prairie Township: $417K to buildings, the rest to people and crops.

Shared tract.All of Sand Prairie Township’s 1,306 residents (2020 census) live in one census tract, which it shares with Delavan township (1,934 residents) and Delavan city (1,568 residents) and Green Valley village (630 residents) and Malone township (216 residents). FEMA publishes its model by tract, so the rate and the hazard mix are the tract’s, the same for all of them. The flood claims below are the township’s own.
A shared figure. The grade describes the whole tract, not each street in it, and FEMA’s model is an average year for today’s buildings, not a record: the claims below are the record.

How TownRatings grades hazard risk →

Flood insurance claims

Does Sand Prairie Township flood? No paid flood claims on record

FEMA’s records show no paid flood insurance claims in Sand Prairie Township. That’s not a promise: most homes don’t carry flood insurance, so small floods go unrecorded.

of homes in flood zones are insured
of all homes are insured
No community discount

Sand Prairie 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: Tazewell County.
Disasters

2 federal disasters brought FEMA money to Sand Prairie Township

Disasters that paid out in Sand Prairie Township itself (aid to households or repair grants to Sand Prairie Township), newest first, with that year’s flood claims.

  1. 2006Snow$5K to Sand Prairie Township for repairs
  2. 1999Il-winter Storm 1/1/99$5K to Sand Prairie Township for repairs
Disasters declared, by decade
Paid out in Sand Prairie TownshipTazewell County only

Tazewell County has had 12 natural disasters declared by the President since 1953, most often floods, then severe storms. Not counted: the 2005 Hurricane Katrina evacuee emergency, which covered counties that took in evacuees.

Were you here?

Old photos of Sand Prairie Township after a storm or flood belong in the town’s history. Add one, or share what you remember below.

Add to the Sand Prairie Township archive →
Next door

Sand Prairie Township and its neighbors

Sand Prairie Township is 2nd of the 3 graded towns here, from least expected damage per building to most. Tap a town to see its hazards.

Manito Township: hazard risk B−Dillon Township: not gradedMalone Township: not gradedCincinnati Township: hazard risk BManito TownshipDillon TownshipMalone TownshipCincinnati TownshipSand Prairie Township
Lowest fifthSecondMiddleFourthHighest fifth
TownHazard riskMostly (buildings)Flood claims
Cincinnati TownshipBless damage than 65%river and rain flooding16
Sand Prairie TownshipB−less damage than 53%river and rain flooding0
Manito TownshipB−more damage than 52%river and rain flooding—
Dillon Township—not graded yet
Malone Township—241 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.

Be ready

Get ready for what Sand Prairie 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.

When the river rises
  • 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.
More from Ready.gov ↗
Tornado warnings
  • 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.
More from Ready.gov ↗
Earthquakes
  • Drop, cover and hold on.
  • Strap tall furniture and the water heater to the wall.
  • Know how to shut off the gas.
More from Ready.gov ↗
Before you buy or rent
  • 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.
When a storm is coming
Forecast and alertsWeather →911, the nearest ERSafety →

Know where neighbors sign up for alerts? Add it to the Handbook so everyone has it.

Questions about natural hazards in Sand Prairie Township

Is Sand Prairie Township at risk for natural disasters?

On FEMA’s National Risk Index, Sand Prairie Township has lower expected damage per building than 53% of U.S. towns: B− for hazard risk. Most of the expected damage is river and rain flooding (71%) and tornadoes (18%). 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.

Is Sand Prairie 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 Tazewell County, 17% of homes in mapped flood zones carry federal flood insurance, and 0.2% of all homes do.

How much is flood insurance in Sand Prairie Township?

FEMA’s Community Rating System list shows no discount for Sand Prairie 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 Sand Prairie Township?

By FEMA money that reached Sand Prairie Township, Il-winter Storm 1/1/99 (1999): $5K to Sand Prairie Township for repairs.

Is Sand Prairie Township at risk from river and rain flooding?

It is the largest share of the building damage FEMA expects here (71%), and Sand Prairie Township’s rate for it is higher than 55% of U.S. census tracts.

Storm stories

Memories, warnings and help from neighbors in Sand Prairie Township.

Town Square →
Start the conversation

Sources: FEMA National Risk Index v1.20 (December 2025), census-tract table, combined by where Sand Prairie 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.