FEMA expects about as much hazard damage per building in Twin Grove as in the typical U.S. town, mostly from river and rain flooding
On FEMA’s National Risk Index, Twin Grove gets a B for hazard risk: lower expected damage per building than 59% of U.S. towns. Most of that expected damage is river and rain flooding (69%), then tornadoes (15%). 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 Twin Grove 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 Twin Grove’s grade
River and rain flooding is 69% of the building damage FEMA expects in Twin Grove, and Twin Grove’s rate of river and rain flooding damage is lower than 51% of U.S. census tracts. Next is tornadoes at 15% (higher than 89% of U.S. census tracts).
B lower expected damage per building than 59% of U.S. towns (21,298).
Twin Grove’s residents live in 2 census tracts; FEMA’s figures are combined by where they live.
In dollars, FEMA expects about $915K a year in losses across Twin Grove: $501K to buildings, the rest to people and crops.
Does Twin Grove flood? No paid flood claims on record
FEMA’s records show no paid flood insurance claims in Twin Grove. That’s not a promise: most homes don’t carry flood insurance, so small floods go unrecorded.
Twin Grove isn’t in FEMA’s Community Rating System, which cuts flood insurance up to 45% in towns that do extra flood-proofing.
Insurance rates: McLean County.The storms Twin Grove remembers
None of the 8 disasters declared for McLean County shows FEMA aid or repair money reaching Twin Grove itself in FEMA’s records, so these are its biggest flood-claim years.
McLean County has had 8 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.
Twin Grove and its neighbors
Twin Grove is 2nd 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 |
|---|---|---|---|
| Dry Grove Township | Bless damage than 60% | river and rain flooding | 3 |
| Twin Grove | Bless damage than 59% | river and rain flooding | 0 |
| Bloomington | B−less damage than 53% | river and rain flooding | 35 |
| Bloomington City Township | B−less damage than 53% | river and rain flooding | 26 |
| Dale Township | B−more damage than 53% | river and rain flooding | — |
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 Twin Grove 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 Twin Grove
Is Twin Grove at risk for natural disasters?
On FEMA’s National Risk Index, Twin Grove has lower expected damage per building than 59% of U.S. towns: B for hazard risk. Most of the expected damage is river and rain flooding (69%) and tornadoes (15%). This is FEMA’s model of an average year for today’s buildings, not a forecast.
Is Twin Grove 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 McLean County, 13% of homes in mapped flood zones carry federal flood insurance, and 0.2% of all homes do.
How much is flood insurance in Twin Grove?
FEMA’s Community Rating System list shows no discount for Twin Grove’s flood program. Premiums depend on the building; policies usually start 30 days after you buy, so get a quote early.
Is Twin Grove at risk from river and rain flooding?
It is the largest share of the building damage FEMA expects here (69%), and Twin Grove’s rate for it is lower than 51% of U.S. census tracts.
Storm stories
Memories, warnings and help from neighbors in Twin Grove.
Sources: FEMA National Risk Index v1.20 (December 2025), census-tract table, combined by where Twin Grove’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.