FEMA expects about as much hazard damage per building in Wheatland Township as in the typical U.S. town, mostly from river and rain flooding
On FEMA’s National Risk Index, Wheatland Township gets a B− for hazard risk: lower expected damage per building than 51% of U.S. towns, #330 of 768 in Illinois. Most of that expected damage is river and rain flooding (87%), then tornadoes (11%). Flood insurance has paid 8 claims here since 1983.
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 Wheatland 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
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 Wheatland Township’s grade
River and rain flooding is 87% of the building damage FEMA expects in Wheatland Township, and Wheatland Township’s rate of river and rain flooding damage is higher than 70% of U.S. census tracts. Next is tornadoes at 11% (higher than 82% of U.S. census tracts).
B− #330 of 768 in Illinois; lower expected damage per building than 51% of U.S. towns (21,298).
Wheatland Township’s residents live in 18 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, Wheatland Township has less expected damage per building than 57% of Illinois towns.
In dollars, FEMA expects about $49.7M a year in losses across Wheatland Township: $34.1M to buildings, the rest to people and crops.
Does Wheatland Township flood? Rarely: 8 flood claims since 1983
Every paid claim on a federal flood insurance policy in Wheatland Township, from FEMA’s records: 0.3 per 1,000 homes, fewer than 96% of the 13,809 U.S. towns with a flood insurance record.
- The Mid-spring storms1 claim · $15K
Wheatland 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: Will County.The storms Wheatland Township remembers
None of the 16 disasters declared for Will County shows FEMA aid or repair money reaching Wheatland Township itself in FEMA’s records, so these are its biggest flood-claim years.
- 19965 flood claims paidThe year of Severe Storms and Flooding, declared for Will County
- 19831 flood claims paidNo declaration for the county that year
- 20131 flood claims paidThe year of Severe Storms, Straight-line Winds, and Tornadoes, declared for Will County
Will County has had 16 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 Wheatland Township after a storm or flood belong in the town’s history. Add one, or share what you remember below.
Add to the Wheatland Township archive →Wheatland Township and its neighbors
Wheatland Township is 5th 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 |
|---|---|---|---|
| Du Page Township | A−less damage than 85% | river and rain flooding | 87 |
| Naperville Township | B+less damage than 72% | river and rain flooding | 56 |
| Plainfield Township | Bless damage than 55% | river and rain flooding | 136 |
| Oswego Township | B−less damage than 55% | river and rain flooding | 13 |
| Wheatland Township | B−less damage than 51% | river and rain flooding | 8 |
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 Wheatland 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.
- 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 Wheatland Township
Is Wheatland Township at risk for natural disasters?
On FEMA’s National Risk Index, Wheatland Township has lower expected damage per building than 51% of U.S. towns: B− for hazard risk, #330 of 768 in Illinois. Most of the expected damage is river and rain flooding (87%) and tornadoes (11%). This is FEMA’s model of an average year for today’s buildings, not a forecast.
Does Wheatland Township flood?
Flood insurance has paid 8 claims in Wheatland Township since 1983, $38K in all, or 0.3 per 1,000 homes, fewer than 96% of U.S. towns with a flood insurance record. The most claims came from Mid-spring storms (1).
Is Wheatland 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 Will County, 23% of homes in mapped flood zones carry federal flood insurance, and 0.5% of all homes do.
How much is flood insurance in Wheatland Township?
FEMA’s Community Rating System list shows no discount for Wheatland 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 Wheatland Township?
By flood claims, Mid-spring storms: 1 paid, $15K.
Is Wheatland Township at risk from river and rain flooding?
It is the largest share of the building damage FEMA expects here (87%), and Wheatland Township’s rate for it is higher than 70% of U.S. census tracts.
Storm stories
Memories, warnings and help from neighbors in Wheatland Township.
Sources: FEMA National Risk Index v1.20 (December 2025), census-tract table, combined by where Wheatland 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.