York Township’s building-damage rate from strong wind is in the top 2% of U.S. census tracts
On FEMA’s National Risk Index, York Township gets a C+ for hazard risk: higher expected damage per building than 60% of U.S. towns, #441 of 768 in Illinois. Most of that expected damage is river and rain flooding (72%), then tornadoes (11%). Flood insurance has paid 1 claim here since 2001.
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 York 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
Strong wind
Hail
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 York Township’s grade
River and rain flooding is 72% of the building damage FEMA expects in York Township, and York Township’s rate of river and rain flooding damage is higher than 67% of U.S. census tracts. Strong wind adds 9%, at a rate in the top 2% of U.S. census tracts.
C+ #441 of 768 in Illinois; higher expected damage per building than 60% of U.S. towns (21,298).
York 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, York Township has more expected damage per building than 57% of Illinois towns.
In dollars, FEMA expects about $1.8M a year in losses across York Township: $1.0M to buildings, the rest to people and crops.
Does York Township flood? Rarely: 1 flood claim since 2001
Every paid claim on a federal flood insurance policy in York Township, from FEMA’s records: 1.2 per 1,000 homes, fewer than 73% of the 13,809 U.S. towns with a flood insurance record.
York 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: Carroll County.The storms York Township remembers
None of the 13 disasters declared for Carroll County shows FEMA aid or repair money reaching York Township itself in FEMA’s records, so these are its biggest flood-claim years.
- 20011 flood claims paidThe year of Flooding, declared for Carroll County
Carroll County has had 13 natural disasters declared by the President since 1953, most often floods, then winter storms. Not counted: the 2005 Hurricane Katrina evacuee emergency, which covered counties that took in evacuees.
Old photos of York Township after a storm or flood belong in the town’s history. Add one, or share what you remember below.
Add to the York Township archive →York Township and its neighbors
York 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 |
|---|---|---|---|
| Mount Carroll Township | Bless damage than 56% | river and rain flooding | — |
| Fulton Township | Bless damage than 55% | river and rain flooding | 9 |
| York Township | C+more damage than 60% | river and rain flooding | 1 |
| Savanna Township | Dmore damage than 86% | river and rain flooding | — |
| Fairhaven Township | — | 860 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 York 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.
- Trim dead limbs over the house and driveway.
- Tie down trash cans and outdoor furniture.
- Stay clear of downed lines and call the utility.
- Park in a garage or under cover when storms are forecast.
- Stay away from windows while it falls.
- Photograph roof and car damage for your insurer.
- 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 York Township
Is York Township at risk for natural disasters?
On FEMA’s National Risk Index, York Township has higher expected damage per building than 60% of U.S. towns: C+ for hazard risk, #441 of 768 in Illinois. Most of the expected damage is river and rain flooding (72%) and tornadoes (11%). This is FEMA’s model of an average year for today’s buildings, not a forecast.
Does York Township flood?
Flood insurance has paid 1 claim in York Township since 2001, $38K in all, or 1.2 per 1,000 homes, fewer than 73% of U.S. towns with a flood insurance record.
Is York 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 Carroll County, 6% of homes in mapped flood zones carry federal flood insurance, and 0.1% of all homes do.
How much is flood insurance in York Township?
FEMA’s Community Rating System list shows no discount for York Township’s flood program. Premiums depend on the building; policies usually start 30 days after you buy, so get a quote early.
Is York Township at risk from river and rain flooding?
It is the largest share of the building damage FEMA expects here (72%), and York Township’s rate for it is higher than 67% of U.S. census tracts.
Storm stories
Memories, warnings and help from neighbors in York Township.
Sources: FEMA National Risk Index v1.20 (December 2025), census-tract table, combined by where York 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.