Photo: Kingkevy · CC BY-SA 3.0FEMA expects about as much hazard damage per building in Winfield Township as in the typical U.S. town, mostly from river and rain flooding
On FEMA’s National Risk Index, Winfield Township gets a C+ for hazard risk: higher expected damage per building than 55% of U.S. towns, #392 of 768 in Illinois. Most of that expected damage is river and rain flooding (87%). Flood insurance has paid 99 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 Winfield 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 Winfield Township’s grade
River and rain flooding is 87% of the building damage FEMA expects in Winfield Township, and Winfield Township’s rate of river and rain flooding damage is higher than 74% of U.S. census tracts. Next is tornadoes at 9% (higher than 75% of U.S. census tracts).
C+ #392 of 768 in Illinois; higher expected damage per building than 55% of U.S. towns (21,298).
Winfield Township’s residents live in 11 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, Winfield Township has more expected damage per building than 51% of Illinois towns.
In dollars, FEMA expects about $18.7M a year in losses across Winfield Township: $12.1M to buildings, the rest to people and crops.
Does Winfield Township flood? Sometimes: 99 flood claims since 1978
Every paid claim on a federal flood insurance policy in Winfield Township, from FEMA’s records: 5.9 per 1,000 homes, more than 64% of the 13,809 U.S. towns with a flood insurance record.
- Hurricane Ike25 claims · $484K
- The Mid-spring storms17 claims · $497K
Winfield 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: DuPage County.The storms Winfield Township remembers
None of the 13 disasters declared for DuPage County shows FEMA aid or repair money reaching Winfield Township itself in FEMA’s records, so these are its biggest flood-claim years.
- 200828 flood claims paidThe year of Severe Storms and Flooding, declared for DuPage County
- 201317 flood claims paidThe year of Severe Storms, Straight-line Winds, and Flooding, declared for DuPage County
- 199614 flood claims paidThe year of Severe Storms and Flooding, declared for DuPage County
DuPage County has had 13 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 Winfield Township after a storm or flood belong in the town’s history. Add one, or share what you remember below.
Add to the Winfield Township archive →Winfield Township and its neighbors
Winfield Township is 7th of the 9 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 |
|---|---|---|---|
| Wayne Township | B+less damage than 74% | river and rain flooding | 9 |
| Naperville Township | B+less damage than 72% | river and rain flooding | 56 |
| Aurora | B+less damage than 66% | river and rain flooding | 207 |
| Milton Township | Bless damage than 56% | river and rain flooding | 362 |
| Wheaton | B−less damage than 53% | river and rain flooding | 152 |
| Naperville | B−less damage than 53% | river and rain flooding | 116 |
| Winfield Township | C+more damage than 55% | river and rain flooding | 99 |
| Winfield | C+more damage than 60% | river and rain flooding | 58 |
| Warrenville | C+more damage than 62% | river and rain flooding | 34 |
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 Winfield 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 Winfield Township
Is Winfield Township at risk for natural disasters?
On FEMA’s National Risk Index, Winfield Township has higher expected damage per building than 55% of U.S. towns: C+ for hazard risk, #392 of 768 in Illinois. Most of the expected damage is river and rain flooding (87%) and tornadoes (9%). This is FEMA’s model of an average year for today’s buildings, not a forecast.
Does Winfield Township flood?
Flood insurance has paid 99 claims in Winfield Township since 1978, $1.6M in all, or 5.9 per 1,000 homes, more than 64% of U.S. towns with a flood insurance record. The most claims came from Hurricane Ike (25).
Is Winfield 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 DuPage County, 41% of homes in mapped flood zones carry federal flood insurance, and 0.6% of all homes do.
How much is flood insurance in Winfield Township?
FEMA’s Community Rating System list shows no discount for Winfield 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 Winfield Township?
By flood claims, Hurricane Ike: 25 paid, $484K.
Is Winfield Township at risk from river and rain flooding?
It is the largest share of the building damage FEMA expects here (87%), and Winfield Township’s rate for it is higher than 74% of U.S. census tracts.
Storm stories
Memories, warnings and help from neighbors in Winfield Township.
Sources: FEMA National Risk Index v1.20 (December 2025), census-tract table, combined by where Winfield 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.