FEMA puts Spring Bay Township’s expected hazard damage per building above that of 78% of U.S. towns, mostly from river and rain flooding
On FEMA’s National Risk Index, Spring Bay Township gets a C− for hazard risk: higher expected damage per building than 78% of U.S. towns, #635 of 768 in Illinois. Most of that expected damage is river and rain flooding (90%). Flood insurance has paid 393 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 stands out about Spring Bay Township’s natural hazards
From FEMA’s model and FEMA’s records, below.
What Spring Bay 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 Spring Bay Township’s grade
River and rain flooding is 90% of the building damage FEMA expects in Spring Bay Township, and Spring Bay Township’s rate of river and rain flooding damage is higher than 88% of U.S. census tracts. Next is tornadoes at 6% (higher than 72% of U.S. census tracts).
C− #635 of 768 in Illinois; higher expected damage per building than 78% of U.S. towns (21,298).
Spring Bay 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, Spring Bay Township has more expected damage per building than 83% of Illinois towns.
In dollars, FEMA expects about $1.6M a year in losses across Spring Bay Township: $1.2M to buildings, the rest to people and crops.
Does Spring Bay Township flood? Yes: 393 flood claims since 1979
Every paid claim on a federal flood insurance policy in Spring Bay Township, from FEMA’s records: 361.2 per 1,000 homes, more than 99% of the 13,809 U.S. towns with a flood insurance record.
- The Mid-spring storms67 claims · $1.9M
- Hurricane Ike7 claims · $65K
Spring Bay 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: Woodford County.1 federal disaster brought FEMA money to Spring Bay Township
Disasters that paid out in Spring Bay Township itself (aid to households or repair grants to Spring Bay Township), newest first, with that year’s flood claims.
- 2013Severe Storms, Straight-line Winds, and Flooding$6K to Spring Bay Township for repairs68 flood claims paid that year
Woodford County has had 11 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 Spring Bay Township after a storm or flood belong in the town’s history. Add one, or share what you remember below.
Add to the Spring Bay Township archive →Spring Bay Township and its neighbors
Spring Bay Township is 8th of the 8 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 |
|---|---|---|---|
| Peoria | B+less damage than 69% | river and rain flooding | 345 |
| Peoria City Township | B+less damage than 68% | river and rain flooding | 222 |
| Richwoods Township | Bless damage than 62% | river and rain flooding | 291 |
| Peoria Heights | Bless damage than 62% | river and rain flooding | 330 |
| Medina Township | Bless damage than 56% | river and rain flooding | 69 |
| Fondulac Township | C+more damage than 58% | river and rain flooding | 35 |
| Worth Township | C+more damage than 58% | river and rain flooding | 3 |
| Spring Bay Township | C−more damage than 78% | river and rain flooding | 393 |
| Partridge Township | — | 616 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.
Get ready for what Spring Bay 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 Spring Bay Township
Is Spring Bay Township at risk for natural disasters?
On FEMA’s National Risk Index, Spring Bay Township has higher expected damage per building than 78% of U.S. towns: C− for hazard risk, #635 of 768 in Illinois. Most of the expected damage is river and rain flooding (90%) and tornadoes (6%). This is FEMA’s model of an average year for today’s buildings, not a forecast.
Does Spring Bay Township flood?
Flood insurance has paid 393 claims in Spring Bay Township since 1979, $4.3M in all, or 361.2 per 1,000 homes, more than 99% of U.S. towns with a flood insurance record. The most claims came from Mid-spring storms (67).
Is Spring Bay 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 Woodford County, 21% of homes in mapped flood zones carry federal flood insurance, and 0.6% of all homes do.
How much is flood insurance in Spring Bay Township?
FEMA’s Community Rating System list shows no discount for Spring Bay 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 Spring Bay Township?
By FEMA money that reached Spring Bay Township, Severe Storms, Straight-line Winds, and Flooding (2013): $6K to Spring Bay Township for repairs. By flood claims, Mid-spring storms: 67 paid, $1.9M.
Is Spring Bay Township at risk from river and rain flooding?
It is the largest share of the building damage FEMA expects here (90%), and Spring Bay Township’s rate for it is higher than 88% of U.S. census tracts.
Storm stories
Memories, warnings and help from neighbors in Spring Bay Township.
Sources: FEMA National Risk Index v1.20 (December 2025), census-tract table, combined by where Spring Bay 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.