Guest, Sign inJoin

Post to Shoal Creek Township

We’ll email a one-tap link to publish your post. No password, and nothing is public until you click it.
Already a member? Sign in
CHazard risk
Natural hazards in Shoal Creek Township · FEMA

FEMA puts Shoal Creek Township’s expected hazard damage per building above that of 72% of U.S. towns, mostly from river and rain flooding

On FEMA’s National Risk Index, Shoal Creek Township gets a C for hazard risk: higher expected damage per building than 72% of U.S. towns. Most of that expected damage is river and rain flooding (62%), then earthquakes (24%). FEMA’s files show no paid flood insurance claims here.

River and rain flooding 62%Earthquakes 24%Tornadoes 8%

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

more than 72%of U.S. townsLess damageMoreExpected yearly damage per dollar of building, vs. the 21,298 U.S. towns we grade
Hazard risk
C
in Illinois · higher than 72% of U.S. towns
Main hazard
River and rain flooding
62% of expected building damage
Flood claims
0
paid since 1978 · $0
Disasters paid out here
0
of 4 declared for Bond County
By hazard

What Shoal Creek 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

62%of expected building damage
Above average · higher than 67% of U.S. census tracts
Recorded about once every 1 years in the area

Earthquakes

24%of expected building damage
Well above average · higher than 84% of U.S. census tracts

Tornadoes

8%of expected building damage
Above average · higher than 79% of U.S. census tracts
Recorded about once every 8 years in the area
Smaller shares here
 Hail Strong wind Winter storms Ice 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 8% of Shoal Creek 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 Shoal Creek Township’s grade

River and rain flooding is 62% of the building damage FEMA expects in Shoal Creek Township, and Shoal Creek Township’s rate of river and rain flooding damage is higher than 67% of U.S. census tracts. Next is earthquakes at 24% (higher than 84% of U.S. census tracts).

Where Shoal Creek Township sits
Shoal Creek Township
Least damageMiddleMost damage

C higher expected damage per building than 72% of U.S. towns (21,298).

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

What drives the damage to buildings
River and rain flooding62%Earthquakes24%Tornadoes8%Everything else7%

In dollars, FEMA expects about $1.3M a year in losses across Shoal Creek Township: $751K to buildings, the rest to people and crops.

Shared tract.All of Shoal Creek Township’s 1,610 residents (2020 census) live in one census tract, which it shares with Sorento village (429 residents) and Old Ripley village (82 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 Shoal Creek Township flood? No paid flood claims on record

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

of all homes are insured
No community discount

Shoal Creek 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: Bond County.
Disasters

The storms Shoal Creek Township remembers

None of the 4 disasters declared for Bond County shows FEMA aid or repair money reaching Shoal Creek Township itself in FEMA’s records, so these are its biggest flood-claim years.

Disasters declared, by decade
Paid out in Shoal Creek TownshipBond County only

Bond County has had 4 natural disasters declared by the President since 1953, most often severe storms, then winter storms. Not counted: the 2005 Hurricane Katrina evacuee emergency, which covered counties that took in evacuees.

Next door

Shoal Creek Township and its neighbors

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

New Douglas Township: not gradedLagrange Township: hazard risk C+Grisham Township: not gradedOld Ripley Township: not gradedWalshville Township: not gradedNew Douglas TownshipLagrange TownshipGrisham TownshipOld Ripley TownshipWalshville TownshipShoal Creek Township
Lowest fifthSecondMiddleFourthHighest fifth
TownHazard riskMostly (buildings)Flood claims
Lagrange TownshipC+more damage than 62%river and rain flooding—
Shoal Creek TownshipCmore damage than 72%river and rain flooding0
New Douglas Township—663 residents; we grade 1,000+
Grisham Township—559 residents; we grade 1,000+
Old Ripley Township—961 residents; we grade 1,000+
Walshville Township—317 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 Shoal Creek 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 ↗
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 ↗
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 ↗
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 Shoal Creek Township

Is Shoal Creek Township at risk for natural disasters?

On FEMA’s National Risk Index, Shoal Creek Township has higher expected damage per building than 72% of U.S. towns: C for hazard risk. Most of the expected damage is river and rain flooding (62%) and earthquakes (24%). 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 Shoal Creek 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 Bond County, 0.1% of all homes carry federal flood insurance.

How much is flood insurance in Shoal Creek Township?

FEMA’s Community Rating System list shows no discount for Shoal Creek Township’s flood program. Premiums depend on the building; policies usually start 30 days after you buy, so get a quote early.

Is Shoal Creek Township at risk from river and rain flooding?

It is the largest share of the building damage FEMA expects here (62%), and Shoal Creek Township’s rate for it is higher than 67% of U.S. census tracts.

Storm stories

Memories, warnings and help from neighbors in Shoal Creek Township.

Town Square →
Start the conversation

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