Photo: Skvader · CC BY-SA 4.0FEMA expects about as much hazard damage per building in Tolono Township as in the typical U.S. town, mostly from river and rain flooding
On FEMA’s National Risk Index, Tolono Township gets a B− for hazard risk: higher expected damage per building than 50% of U.S. towns, #337 of 768 in Illinois. Most of that expected damage is river and rain flooding (76%), then tornadoes (12%). FEMA’s files show no paid flood insurance claims here.
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 Tolono 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
Earthquakes
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 Tolono Township’s grade
River and rain flooding is 76% of the building damage FEMA expects in Tolono Township, and Tolono Township’s rate of river and rain flooding damage is higher than 62% of U.S. census tracts. Next is tornadoes at 12% (higher than 85% of U.S. census tracts).
B− #337 of 768 in Illinois; higher expected damage per building than 50% of U.S. towns (21,298).
Tolono 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, Tolono Township has less expected damage per building than 56% of Illinois towns.
In dollars, FEMA expects about $2.9M a year in losses across Tolono Township: $1.4M to buildings, the rest to people and crops.
Does Tolono Township flood? No paid flood claims on record
FEMA’s records show no paid flood insurance claims in Tolono Township. That’s not a promise: most homes don’t carry flood insurance, so small floods go unrecorded.
Tolono 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: Champaign County.The storms Tolono Township remembers
None of the 8 disasters declared for Champaign County shows FEMA aid or repair money reaching Tolono Township itself in FEMA’s records, so these are its biggest flood-claim years.
Champaign County has had 8 natural disasters declared by the President since 1953, most often severe storms, then winter storms. Not counted: the 2005 Hurricane Katrina evacuee emergency, which covered counties that took in evacuees.
Tolono Township and its neighbors
Tolono Township is 3rd 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 |
|---|---|---|---|
| Savoy | Bless damage than 57% | river and rain flooding | — |
| Philo Township | B−less damage than 50% | river and rain flooding | — |
| Tolono Township | B−more damage than 50% | river and rain flooding | 0 |
| Champaign Township | C+more damage than 63% | river and rain flooding | 3 |
| Colfax Township | — | 161 residents; we grade 1,000+ | |
| Pesotum Township | — | 843 residents; we grade 1,000+ | |
| Sadorus Township | — | 794 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 Tolono 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.
- Drop, cover and hold on.
- Strap tall furniture and the water heater to the wall.
- Know how to shut off the gas.
- 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 Tolono Township
Is Tolono Township at risk for natural disasters?
On FEMA’s National Risk Index, Tolono Township has higher expected damage per building than 50% of U.S. towns: B− for hazard risk, #337 of 768 in Illinois. Most of the expected damage is river and rain flooding (76%) and tornadoes (12%). This is FEMA’s model of an average year for today’s buildings, not a forecast.
Is Tolono 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 Champaign County, 17% of homes in mapped flood zones carry federal flood insurance, and 0.3% of all homes do.
How much is flood insurance in Tolono Township?
FEMA’s Community Rating System list shows no discount for Tolono Township’s flood program. Premiums depend on the building; policies usually start 30 days after you buy, so get a quote early.
Is Tolono Township at risk from river and rain flooding?
It is the largest share of the building damage FEMA expects here (76%), and Tolono Township’s rate for it is higher than 62% of U.S. census tracts.
Storm stories
Memories, warnings and help from neighbors in Tolono Township.
Sources: FEMA National Risk Index v1.20 (December 2025), census-tract table, combined by where Tolono 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.