Photo: Chris Light · CC BY-SA 3.0FEMA expects about as much hazard damage per building in St. Anne Township as in the typical U.S. town, mostly from river and rain flooding
On FEMA’s National Risk Index, St. Anne Township gets a B− for hazard risk: lower expected damage per building than 52% of U.S. towns. Most of that expected damage is river and rain flooding (83%). Flood insurance has paid 1 claim 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 St. Anne 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 St. Anne Township’s grade
River and rain flooding is 83% of the building damage FEMA expects in St. Anne Township, and St. Anne Township’s rate of river and rain flooding damage is higher than 67% of U.S. census tracts. Next is tornadoes at 10% (higher than 77% of U.S. census tracts).
B− lower expected damage per building than 52% of U.S. towns (21,298).
St. Anne Township’s residents live in 3 census tracts; FEMA’s figures are combined by where they live.
In dollars, FEMA expects about $922K a year in losses across St. Anne Township: $645K to buildings, the rest to people and crops.
Does St. Anne Township flood? Rarely: 1 flood claim since 1979
Every paid claim on a federal flood insurance policy in St. Anne Township, from FEMA’s records: 1.0 per 1,000 homes, fewer than 77% of the 13,809 U.S. towns with a flood insurance record.
St. Anne 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: Kankakee County.1 federal disaster brought FEMA money to St. Anne Township
Disasters that paid out in St. Anne Township itself (aid to households or repair grants to St. Anne Township), newest first, with that year’s flood claims.
- 1999Il-winter Storm 1/1/99$4K to St. Anne Township for repairs
Kankakee County has had 4 natural disasters declared by the President since 1953, most often winter storms, then severe storms. Not counted: the 2005 Hurricane Katrina evacuee emergency, which covered counties that took in evacuees.
Old photos of St. Anne Township after a storm or flood belong in the town’s history. Add one, or share what you remember below.
Add to the St. Anne Township archive →St. Anne Township and its neighbors
St. Anne Township is 2nd of the 4 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 |
|---|---|---|---|
| Pembroke Township | B−less damage than 54% | river and rain flooding | 8 |
| St. Anne Township | B−less damage than 52% | river and rain flooding | 1 |
| Ganeer Township | Dmore damage than 93% | river and rain flooding | 59 |
| Aroma Township | D−more damage than 97% | river and rain flooding | 135 |
| Beaverville Township | — | 408 residents; we grade 1,000+ | |
| Papineau Township | — | 307 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 St. Anne 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 St. Anne Township
Is St. Anne Township at risk for natural disasters?
On FEMA’s National Risk Index, St. Anne Township has lower expected damage per building than 52% of U.S. towns: B− for hazard risk. Most of the expected damage is river and rain flooding (83%) and tornadoes (10%). This is FEMA’s model of an average year for today’s buildings, not a forecast.
Does St. Anne Township flood?
Flood insurance has paid 1 claim in St. Anne Township since 1979, $6K in all, or 1.0 per 1,000 homes, fewer than 77% of U.S. towns with a flood insurance record.
Is St. Anne 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 Kankakee County, 14% of homes in mapped flood zones carry federal flood insurance, and 0.8% of all homes do.
How much is flood insurance in St. Anne Township?
FEMA’s Community Rating System list shows no discount for St. Anne 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 St. Anne Township?
By FEMA money that reached St. Anne Township, Il-winter Storm 1/1/99 (1999): $4K to St. Anne Township for repairs.
Is St. Anne Township at risk from river and rain flooding?
It is the largest share of the building damage FEMA expects here (83%), and St. Anne Township’s rate for it is higher than 67% of U.S. census tracts.
Storm stories
Memories, warnings and help from neighbors in St. Anne Township.
Sources: FEMA National Risk Index v1.20 (December 2025), census-tract table, combined by where St. Anne 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.