FEMA puts Tyrone Township’s expected hazard damage per building above that of 80% of U.S. towns, led by river and rain flooding
On FEMA’s National Risk Index, Tyrone Township gets a C− for hazard risk: higher expected damage per building than 80% of U.S. towns, #655 of 768 in Illinois. Most of that expected damage is river and rain flooding (49%), then earthquakes (36%). Flood insurance has paid 1 claim here since 1979.
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 Tyrone 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
Earthquakes
Tornadoes
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 Tyrone Township’s grade
River and rain flooding is 49% of the building damage FEMA expects in Tyrone Township, and Tyrone Township’s rate of river and rain flooding damage is higher than 61% of U.S. census tracts. Strong wind adds 5%, at a rate in the top 4% of U.S. census tracts.
C− #655 of 768 in Illinois; higher expected damage per building than 80% of U.S. towns (21,298).
Tyrone Township’s residents live in 3 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, Tyrone Township has more expected damage per building than 85% of Illinois towns.
In dollars, FEMA expects about $3.8M a year in losses across Tyrone Township: $2.0M to buildings, the rest to people and crops.
Does Tyrone Township flood? Rarely: 1 flood claim since 1979
Every paid claim on a federal flood insurance policy in Tyrone Township, from FEMA’s records: 0.4 per 1,000 homes, fewer than 92% of the 13,809 U.S. towns with a flood insurance record.
Tyrone 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: Franklin County.The storms Tyrone Township remembers
None of the 7 disasters declared for Franklin County shows FEMA aid or repair money reaching Tyrone Township itself in FEMA’s records, so these are its biggest flood-claim years.
- 19791 flood claims paidNo declaration for the county that year
Franklin County has had 7 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.
Old photos of Tyrone Township after a storm or flood belong in the town’s history. Add one, or share what you remember below.
Add to the Tyrone Township archive →Tyrone Township and its neighbors
Tyrone 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 |
|---|---|---|---|
| Goode Township | C−more damage than 78% | river and rain flooding | — |
| Browning Township | C−more damage than 78% | river and rain flooding | — |
| Tyrone Township | C−more damage than 80% | river and rain flooding | 1 |
| Six Mile Township | C−more damage than 83% | river and rain flooding | 1 |
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 Tyrone 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.
- Drop, cover and hold on.
- Strap tall furniture and the water heater to the wall.
- Know how to shut off the gas.
- 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.
- 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 Tyrone Township
Is Tyrone Township at risk for natural disasters?
On FEMA’s National Risk Index, Tyrone Township has higher expected damage per building than 80% of U.S. towns: C− for hazard risk, #655 of 768 in Illinois. Most of the expected damage is river and rain flooding (49%) and earthquakes (36%). This is FEMA’s model of an average year for today’s buildings, not a forecast.
Does Tyrone Township flood?
Flood insurance has paid 1 claim in Tyrone Township since 1979, $5K in all, or 0.4 per 1,000 homes, fewer than 92% of U.S. towns with a flood insurance record.
Is Tyrone 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 Franklin County, 10% of homes in mapped flood zones carry federal flood insurance, and 0.3% of all homes do.
How much is flood insurance in Tyrone Township?
FEMA’s Community Rating System list shows no discount for Tyrone Township’s flood program. Premiums depend on the building; policies usually start 30 days after you buy, so get a quote early.
Is Tyrone Township at risk from river and rain flooding?
It is the largest share of the building damage FEMA expects here (49%), and Tyrone Township’s rate for it is higher than 61% of U.S. census tracts.
Storm stories
Memories, warnings and help from neighbors in Tyrone Township.
Sources: FEMA National Risk Index v1.20 (December 2025), census-tract table, combined by where Tyrone 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.