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C−Hazard risk
Natural hazards in Spring Lake Township · FEMA

FEMA expects more hazard damage per building in Spring Lake Township than in 77% of U.S. towns, mostly from river and rain flooding

On FEMA’s National Risk Index, Spring Lake Township gets a C− for hazard risk: higher expected damage per building than 77% of U.S. towns. Most of that expected damage is river and rain flooding (80%), then tornadoes (11%). Flood insurance has paid 30 claims here since 1979.

River and rain flooding 80%Tornadoes 11%Earthquakes 4%

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 77%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 77% of U.S. towns
Main hazard
River and rain flooding
80% of expected building damage
Flood claims
30
paid since 1979 · $198K
Disasters paid out here
3
of 12 declared for Tazewell County
By hazard

What Spring Lake 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

80%of expected building damage
Well above average · higher than 84% of U.S. census tracts
Recorded about once a year in the area

Tornadoes

11%of expected building damage
Well above average · in the top 6% of U.S. census tracts
Recorded about once every 13 years in the area
Smaller shares here
 Earthquakes 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 9% of Spring Lake 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 Spring Lake Township’s grade

River and rain flooding is 80% of the building damage FEMA expects in Spring Lake Township, and Spring Lake Township’s rate of river and rain flooding damage is higher than 84% of U.S. census tracts. Tornadoes add 11%, at a rate in the top 6% of U.S. census tracts.

Where Spring Lake Township sits
Spring Lake Township
Least damageMiddleMost damage

C− higher expected damage per building than 77% of U.S. towns (21,298).

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

What drives the damage to buildings
River and rain flooding80%Tornadoes11%Earthquakes4%Everything else4%

In dollars, FEMA expects about $1.9M a year in losses across Spring Lake Township: $1.4M to buildings, the rest to people and crops.

Shared tract.All of Spring Lake Township’s 1,677 residents (2020 census) live in one census tract. FEMA publishes its model by tract, so the rate and the hazard mix are the tract’s. 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 Spring Lake Township flood? Sometimes: 30 flood claims since 1979

Every paid claim on a federal flood insurance policy in Spring Lake Township, from FEMA’s records: 37.9 per 1,000 homes, more than 90% of the 13,809 U.S. towns with a flood insurance record.

Paid flood claims, by year
1979: 1 claim1980: 0 claims1981: 0 claims1982: 12 claims1983: 3 claims1984: 0 claims1985: 5 claims1986: 0 claims1987: 0 claims1988: 0 claims1989: 0 claims1990: 0 claims1991: 0 claims1992: 0 claims1993: 0 claims1994: 0 claims1995: 3 claims1996: 0 claims1997: 0 claims1998: 0 claims1999: 0 claims2000: 0 claims2001: 0 claims2002: 0 claims2003: 0 claims2004: 0 claims2005: 0 claims2006: 0 claims2007: 0 claims2008: 0 claims2009: 1 claim2010: 0 claims2011: 0 claims2012: 0 claims2013: 5 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 claims198219852013
19792026
Biggest named events
  • The Mid-spring storms4 claims · $39K
30
paid claims since 1979
$198K
paid to owners
0
homes flooded more than once
$7K
average claim
of homes in flood zones are insured
of all homes are insured
No community discount

Spring Lake 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

3 federal disasters brought FEMA money to Spring Lake Township

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

  1. 2013Severe Storms, Straight-line Winds, and Flooding$11K to Spring Lake Township for repairs5 flood claims paid that year
  2. 2011Severe Winter Storm and Snowstorm$6K to Spring Lake Township for repairs
  3. 1999Il-winter Storm 1/1/99$8K to Spring Lake Township for repairs
Disasters declared, by decade
Paid out in Spring Lake 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 Spring Lake Township after a storm or flood belong in the town’s history. Add one, or share what you remember below.

Add to the Spring Lake Township archive →
Next door

Spring Lake Township and its neighbors

Spring Lake Township is 5th of the 5 graded towns here, from least expected damage per building to most. Tap a town to see its hazards.

Timber Township: hazard risk B−Banner Township: not gradedQuiver Township: not gradedHollis Township: hazard risk BManito Township: hazard risk B−Kingston Mines: not gradedLiverpool Township: not gradedCincinnati Township: hazard risk BTimber TownshipBanner TownshipQuiver TownshipHollis TownshipManito TownshipKingston MinesLiverpool TownshipCincinnati TownshipSpring Lake Township
Lowest fifthSecondMiddleFourthHighest fifth
TownHazard riskMostly (buildings)Flood claims
Cincinnati TownshipBless damage than 65%river and rain flooding16
Hollis TownshipBless damage than 60%river and rain flooding—
Timber TownshipB−less damage than 51%river and rain flooding11
Manito TownshipB−more damage than 52%river and rain flooding—
Spring Lake TownshipC−more damage than 77%river and rain flooding30
Banner Township—512 residents; we grade 1,000+
Quiver Township—689 residents; we grade 1,000+
Kingston Mines—182 residents; we grade 1,000+
Liverpool Township—434 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 Spring Lake 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 ↗
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 Spring Lake Township

Is Spring Lake Township at risk for natural disasters?

On FEMA’s National Risk Index, Spring Lake Township has higher expected damage per building than 77% of U.S. towns: C− for hazard risk. Most of the expected damage is river and rain flooding (80%) and tornadoes (11%). 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 Spring Lake Township flood?

Flood insurance has paid 30 claims in Spring Lake Township since 1979, $198K in all, or 37.9 per 1,000 homes, more than 90% of U.S. towns with a flood insurance record. The most claims came from Mid-spring storms (4).

Is Spring Lake 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 Spring Lake Township?

FEMA’s Community Rating System list shows no discount for Spring Lake 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 Lake Township?

By FEMA money that reached Spring Lake Township, Severe Storms, Straight-line Winds, and Flooding (2013): $11K to Spring Lake Township for repairs. By flood claims, Mid-spring storms: 4 paid, $39K.

Is Spring Lake Township at risk from river and rain flooding?

It is the largest share of the building damage FEMA expects here (80%), and Spring Lake Township’s rate for it is higher than 84% of U.S. census tracts.

Storm stories

Memories, warnings and help from neighbors in Spring Lake Township.

Town Square →
Start the conversation

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