Photo: David Wilson · CC BY 2.0On FEMA’s figures, Troy Grove Township faces less hazard damage per building than 92% of U.S. towns, mostly from river and rain flooding
On FEMA’s National Risk Index, Troy Grove Township gets an A for hazard risk: lower expected damage per building than 92% of U.S. towns. Most of that expected damage is river and rain flooding (76%), then tornadoes (12%). Flood insurance has paid 18 claims here since 1978.
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 Troy Grove 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 Troy Grove Township’s grade
River and rain flooding is 76% of the building damage FEMA expects in Troy Grove Township, and Troy Grove Township’s rate of river and rain flooding damage is lower than 76% of U.S. census tracts. Next is tornadoes at 12% (higher than 65% of U.S. census tracts).
A lower expected damage per building than 92% of U.S. towns (21,298).
Troy Grove Township’s residents live in 4 census tracts; FEMA’s figures are combined by where they live.
In dollars, FEMA expects about $618K a year in losses across Troy Grove Township: $355K to buildings, the rest to people and crops.
Does Troy Grove Township flood? Sometimes: 18 flood claims since 1978
Every paid claim on a federal flood insurance policy in Troy Grove Township, from FEMA’s records: 32.6 per 1,000 homes, more than 89% of the 13,809 U.S. towns with a flood insurance record.
- Hurricane Ike5 claims · $21K
- The Mid-spring storms2 claims · $7K
Troy Grove 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: La Salle County.1 federal disaster brought FEMA money to Troy Grove Township
Disasters that paid out in Troy Grove Township itself (aid to households or repair grants to Troy Grove Township), newest first, with that year’s flood claims.
- 1999Il-winter Storm 1/1/99$5K to Troy Grove Township for repairs
La Salle County has had 17 natural disasters declared by the President since 1953, most often severe storms, then floods. Not counted: the 2005 Hurricane Katrina evacuee emergency, which covered counties that took in evacuees.
Old photos of Troy Grove Township after a storm or flood belong in the town’s history. Add one, or share what you remember below.
Add to the Troy Grove Township archive →Troy Grove Township and its neighbors
Troy Grove 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 |
|---|---|---|---|
| Troy Grove Township | Aless damage than 92% | river and rain flooding | 18 |
| Mendota Township | — | not graded yet | |
| Clarion Township | — | 253 residents; we grade 1,000+ | |
| Dimmick Township | — | 712 residents; we grade 1,000+ | |
| Ophir Township | — | 476 residents; we grade 1,000+ | |
| Westfield Township | — | 901 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 Troy Grove 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 Troy Grove Township
Is Troy Grove Township at risk for natural disasters?
On FEMA’s National Risk Index, Troy Grove Township has lower expected damage per building than 92% of U.S. towns: A for hazard risk. 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.
Does Troy Grove Township flood?
Flood insurance has paid 18 claims in Troy Grove Township since 1978, $48K in all, or 32.6 per 1,000 homes, more than 89% of U.S. towns with a flood insurance record. The most claims came from Hurricane Ike (5).
Is Troy Grove 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 La Salle County, 20% of homes in mapped flood zones carry federal flood insurance, and 0.5% of all homes do.
How much is flood insurance in Troy Grove Township?
FEMA’s Community Rating System list shows no discount for Troy Grove 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 Troy Grove Township?
By FEMA money that reached Troy Grove Township, Il-winter Storm 1/1/99 (1999): $5K to Troy Grove Township for repairs. By flood claims, Hurricane Ike: 5 paid, $21K.
Is Troy Grove Township at risk from river and rain flooding?
It is the largest share of the building damage FEMA expects here (76%), and Troy Grove Township’s rate for it is lower than 76% of U.S. census tracts.
Storm stories
Memories, warnings and help from neighbors in Troy Grove Township.
Sources: FEMA National Risk Index v1.20 (December 2025), census-tract table, combined by where Troy Grove 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.