Photo: IvoShandor · CC BY-SA 3.0FEMA puts Stockton Township’s expected hazard damage per building below that of 65% of U.S. towns, mostly from river and rain flooding
On FEMA’s National Risk Index, Stockton Township gets a B for hazard risk: lower expected damage per building than 65% of U.S. towns. Most of that expected damage is river and rain flooding (72%), then tornadoes (14%). Flood insurance has paid 6 claims here since 2010.
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 Stockton 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
Hail
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 Stockton Township’s grade
River and rain flooding is 72% of the building damage FEMA expects in Stockton Township, and Stockton Township’s rate of river and rain flooding damage is lower than 54% of U.S. census tracts. Next is tornadoes at 14% (higher than 84% of U.S. census tracts).
B lower expected damage per building than 65% of U.S. towns (21,298).
Stockton Township’s residents live in 2 census tracts; FEMA’s figures are combined by where they live.
In dollars, FEMA expects about $1.7M a year in losses across Stockton Township: $1.1M to buildings, the rest to people and crops.
Does Stockton Township flood? Rarely: 6 flood claims since 2010
Every paid claim on a federal flood insurance policy in Stockton Township, from FEMA’s records: 5.6 per 1,000 homes, more than 63% of the 13,809 U.S. towns with a flood insurance record.
Stockton 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: Jo Daviess County.The storms Stockton Township remembers
None of the 13 disasters declared for Jo Daviess County shows FEMA aid or repair money reaching Stockton Township itself in FEMA’s records, so these are its biggest flood-claim years.
- 20114 flood claims paidThe year of Severe Winter Storm and Snowstorm, declared for Jo Daviess County
- 20101 flood claims paidThe year of Severe Storms and Flooding, declared for Jo Daviess County
- 20131 flood claims paidNo declaration for the county that year
Jo Daviess County has had 13 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.
Old photos of Stockton Township after a storm or flood belong in the town’s history. Add one, or share what you remember below.
Add to the Stockton Township archive →Stockton Township and its neighbors
Stockton Township has the lowest expected damage per building of the 1 graded towns here. Tap a town to see its hazards.
| Town | Hazard risk | Mostly (buildings) | Flood claims |
|---|---|---|---|
| Stockton Township | Bless damage than 65% | river and rain flooding | 6 |
| Wards Grove Township | — | 308 residents; we grade 1,000+ | |
| Woodbine Township | — | 432 residents; we grade 1,000+ | |
| Pleasant Valley Township | — | 261 residents; we grade 1,000+ | |
| Rush Township | — | 328 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 Stockton 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.
- Park in a garage or under cover when storms are forecast.
- Stay away from windows while it falls.
- Photograph roof and car damage for your insurer.
- 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 Stockton Township
Is Stockton Township at risk for natural disasters?
On FEMA’s National Risk Index, Stockton Township has lower expected damage per building than 65% of U.S. towns: B for hazard risk. Most of the expected damage is river and rain flooding (72%) and tornadoes (14%). This is FEMA’s model of an average year for today’s buildings, not a forecast.
Does Stockton Township flood?
Flood insurance has paid 6 claims in Stockton Township since 2010, $495K in all, or 5.6 per 1,000 homes, more than 63% of U.S. towns with a flood insurance record.
Is Stockton 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 Jo Daviess County, 18% of homes in mapped flood zones carry federal flood insurance, and 0.3% of all homes do.
How much is flood insurance in Stockton Township?
FEMA’s Community Rating System list shows no discount for Stockton Township’s flood program. Premiums depend on the building; policies usually start 30 days after you buy, so get a quote early.
Is Stockton Township at risk from river and rain flooding?
It is the largest share of the building damage FEMA expects here (72%), and Stockton Township’s rate for it is lower than 54% of U.S. census tracts.
Storm stories
Memories, warnings and help from neighbors in Stockton Township.
Sources: FEMA National Risk Index v1.20 (December 2025), census-tract table, combined by where Stockton 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.