Photo: NatFee · CC BY-SA 4.0FEMA expects about as much hazard damage per building in Timber Township as in the typical U.S. town, mostly from river and rain flooding
On FEMA’s National Risk Index, Timber Township gets a B− for hazard risk: lower expected damage per building than 51% of U.S. towns. Most of that expected damage is river and rain flooding (73%), then tornadoes (13%). Flood insurance has paid 11 claims here since 1981.
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 Timber 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 Timber Township’s grade
River and rain flooding is 73% of the building damage FEMA expects in Timber Township, and Timber Township’s rate of river and rain flooding damage is higher than 59% of U.S. census tracts. Next is tornadoes at 13% (higher than 89% of U.S. census tracts).
B− lower expected damage per building than 51% of U.S. towns (21,298).
Timber Township’s residents live in 2 census tracts; FEMA’s figures are combined by where they live.
In dollars, FEMA expects about $1.5M a year in losses across Timber Township: $958K to buildings, the rest to people and crops.
Does Timber Township flood? Sometimes: 11 flood claims since 1981
Every paid claim on a federal flood insurance policy in Timber Township, from FEMA’s records: 10.6 per 1,000 homes, more than 75% of the 13,809 U.S. towns with a flood insurance record.
- The Midwest Flooding2 claims · $49K
- The Mid-spring storms1 claim · $3K
Timber 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: Peoria County.The storms Timber Township remembers
None of the 12 disasters declared for Peoria County shows FEMA aid or repair money reaching Timber Township itself in FEMA’s records, so these are its biggest flood-claim years.
- 19813 flood claims paidNo declaration for the county that year
- 19932 flood claims paidNo declaration for the county that year
- 20192 flood claims paidNo declaration for the county that year
Peoria County has had 12 natural disasters declared by the President since 1953, most often floods, then winter storms. Not counted: the 2005 Hurricane Katrina evacuee emergency, which covered counties that took in evacuees.
Old photos of Timber Township after a storm or flood belong in the town’s history. Add one, or share what you remember below.
Add to the Timber Township archive →Timber Township and its neighbors
Timber Township is 4th of the 5 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 |
|---|---|---|---|
| Orion Township | A−less damage than 76% | river and rain flooding | — |
| Logan Township | B+less damage than 67% | river and rain flooding | 4 |
| Hollis Township | Bless damage than 60% | river and rain flooding | — |
| Timber Township | B−less damage than 51% | river and rain flooding | 11 |
| Spring Lake Township | C−more damage than 77% | river and rain flooding | 30 |
| Kingston Mines | — | 182 residents; we grade 1,000+ | |
| Banner Township | — | 512 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 Timber 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 Timber Township
Is Timber Township at risk for natural disasters?
On FEMA’s National Risk Index, Timber Township has lower expected damage per building than 51% of U.S. towns: B− for hazard risk. Most of the expected damage is river and rain flooding (73%) and tornadoes (13%). This is FEMA’s model of an average year for today’s buildings, not a forecast.
Does Timber Township flood?
Flood insurance has paid 11 claims in Timber Township since 1981, $143K in all, or 10.6 per 1,000 homes, more than 75% of U.S. towns with a flood insurance record. The most claims came from Midwest Flooding (2).
Is Timber 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 Peoria County, 0.4% of all homes carry federal flood insurance.
How much is flood insurance in Timber Township?
FEMA’s Community Rating System list shows no discount for Timber 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 Timber Township?
By flood claims, Midwest Flooding: 2 paid, $49K.
Is Timber Township at risk from river and rain flooding?
It is the largest share of the building damage FEMA expects here (73%), and Timber Township’s rate for it is higher than 59% of U.S. census tracts.
Storm stories
Memories, warnings and help from neighbors in Timber Township.
Sources: FEMA National Risk Index v1.20 (December 2025), census-tract table, combined by where Timber 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.