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C−Hazard risk
Natural hazards in Six Mile Township · FEMA

FEMA puts Six Mile Township’s expected hazard damage per building above that of 83% of U.S. towns, led by river and rain flooding

On FEMA’s National Risk Index, Six Mile Township gets a C− for hazard risk: higher expected damage per building than 83% of U.S. towns, #692 of 768 in Illinois. Most of that expected damage is river and rain flooding (50%), then earthquakes (36%). Flood insurance has paid 1 claim here since 2011.

River and rain flooding 50%Earthquakes 36%Tornadoes 6%

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 83%of U.S. townsLess damageMoreExpected yearly damage per dollar of building, vs. the 21,298 U.S. towns we grade#692 of 768 in Illinois
Hazard risk
C−#692 of 768
in Illinois · higher than 83% of U.S. towns
Main hazard
River and rain flooding
50% of expected building damage
Flood claims
1
paid since 2011 · $14K
Flood claims per home
1 per 1,000
fewer than 88% of U.S. towns
By hazard

What Six Mile 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

50%of expected building damage
Above average · higher than 68% of U.S. census tracts
Recorded about 4 times a year in the area

Earthquakes

36%of expected building damage
Well above average · higher than 88% of U.S. census tracts

Tornadoes

6%of expected building damage
Above average · higher than 77% of U.S. census tracts
Smaller shares here
 Strong wind top 4% Hail Winter storms top 1% Ice storms Hurricanes Lightning 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 16% of Six Mile 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 Six Mile Township’s grade

River and rain flooding is 50% of the building damage FEMA expects in Six Mile Township, and Six Mile Township’s rate of river and rain flooding damage is higher than 68% of U.S. census tracts. Strong wind adds 4%, at a rate in the top 4% of U.S. census tracts.

Where Six Mile Township sits
Six Mile Township
Least damageMiddleMost damage

C− #692 of 768 in Illinois; higher expected damage per building than 83% of U.S. towns (21,298).

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

What drives the damage to buildings
River and rain flooding50%Earthquakes36%Tornadoes6%Everything else8%

The typical Illinois town has higher expected damage than 54% of U.S. towns; within the state, Six Mile Township has more expected damage per building than 90% of Illinois towns.

In dollars, FEMA expects about $3.0M a year in losses across Six Mile Township: $1.5M to buildings, the rest to people and crops.

Shared tract.All of Six Mile Township’s 3,536 residents (2020 census) live in one census tract, which it shares with Zeigler city (1,484 residents) and Royalton village (1,068 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 Six Mile Township flood? Rarely: 1 flood claim since 2011

Every paid claim on a federal flood insurance policy in Six Mile Township, from FEMA’s records: 0.6 per 1,000 homes, fewer than 88% of the 13,809 U.S. towns with a flood insurance record.

Paid flood claims, by year
2011: 1 claim2012: 0 claims2013: 0 claims2014: 0 claims2015: 0 claims2016: 0 claims2017: 0 claims2018: 0 claims2019: 0 claims2020: 0 claims2021: 0 claims2022: 0 claims2023: 0 claims2024: 0 claims2025: 0 claims2026: 0 claims2011
20112026
Biggest named events
  • The Mid-spring storms1 claim · $14K
1
paid claims since 2011
$14K
paid to owners
0
homes flooded more than once
$14K
average claim
of homes in flood zones are insured
of all homes are insured
No community discount

Six Mile 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: Franklin County.
Disasters

The storms Six Mile Township remembers

None of the 7 disasters declared for Franklin County shows FEMA aid or repair money reaching Six Mile Township itself in FEMA’s records, so these are its biggest flood-claim years.

  1. 20111 flood claims paidThe year of Severe Storms and Flooding, declared for Franklin County
Disasters declared, by decade
Paid out in Six Mile TownshipFranklin County only

Franklin County has had 7 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.

Were you here?

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

Add to the Six Mile Township archive →
Next door

Six Mile Township and its neighbors

Six Mile Township is 3rd of the 4 graded towns here, from least expected damage per building to most. Tap a town to see its hazards.

Denning Township: hazard risk C−Elk Township: hazard risk DTyrone Township: hazard risk C−Denning TownshipElk TownshipTyrone TownshipSix Mile Township
Lowest fifthSecondMiddleFourthHighest fifth
TownHazard riskMostly (buildings)Flood claims
Tyrone TownshipC−more damage than 80%river and rain flooding1
Denning TownshipC−more damage than 82%river and rain flooding26
Six Mile TownshipC−more damage than 83%river and rain flooding1
Elk TownshipDmore damage than 90%river and rain flooding12

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 Six Mile 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 Six Mile Township

Is Six Mile Township at risk for natural disasters?

On FEMA’s National Risk Index, Six Mile Township has higher expected damage per building than 83% of U.S. towns: C− for hazard risk, #692 of 768 in Illinois. Most of the expected damage is river and rain flooding (50%) and earthquakes (36%). 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 Six Mile Township flood?

Flood insurance has paid 1 claim in Six Mile Township since 2011, $14K in all, or 0.6 per 1,000 homes, fewer than 88% of U.S. towns with a flood insurance record. The most claims came from Mid-spring storms (1).

Is Six Mile 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 Franklin County, 10% of homes in mapped flood zones carry federal flood insurance, and 0.3% of all homes do.

How much is flood insurance in Six Mile Township?

FEMA’s Community Rating System list shows no discount for Six Mile 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 Six Mile Township?

By flood claims, Mid-spring storms: 1 paid, $14K.

Is Six Mile Township at risk from river and rain flooding?

It is the largest share of the building damage FEMA expects here (50%), and Six Mile Township’s rate for it is higher than 68% of U.S. census tracts.

Storm stories

Memories, warnings and help from neighbors in Six Mile Township.

Town Square →
Start the conversation

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