Less hazard damage per building is expected in Wills Township than in 86% of U.S. towns, mostly from river and rain flooding
On FEMA’s National Risk Index, Wills Township gets an A for hazard risk: lower expected damage per building than 86% of U.S. towns. Most of that expected damage is river and rain flooding (72%), then tornadoes (18%). 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 Wills 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 Wills Township’s grade
River and rain flooding is 72% of the building damage FEMA expects in Wills Township, and Wills Township’s rate of river and rain flooding damage is lower than 72% of U.S. census tracts. Next is tornadoes at 18% (higher than 83% of U.S. census tracts).
A lower expected damage per building than 86% of U.S. towns (21,298).
Wills Township’s residents live in 2 census tracts; FEMA’s figures are combined by where they live.
In dollars, FEMA expects about $685K a year in losses across Wills Township: $365K to buildings, the rest to people and crops.
Does Wills Township flood? No paid flood claims on record
FEMA’s records show no paid flood insurance claims in Wills Township. That’s not a promise: most homes don’t carry flood insurance, so small floods go unrecorded.
Wills 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: LaPorte County.The storms Wills Township remembers
None of the 15 disasters declared for LaPorte County shows FEMA aid or repair money reaching Wills Township itself in FEMA’s records, so these are its biggest flood-claim years.
LaPorte County has had 15 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.
Wills Township and its neighbors
Wills 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 |
|---|---|---|---|
| Olive Township | A+less damage than 98% | river and rain flooding | 4 |
| Kankakee Township | Aless damage than 91% | river and rain flooding | 3 |
| Wills Township | Aless damage than 86% | river and rain flooding | 0 |
| Lincoln Township | A−less damage than 80% | river and rain flooding | 4 |
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 Wills 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 Wills Township
Is Wills Township at risk for natural disasters?
On FEMA’s National Risk Index, Wills Township has lower expected damage per building than 86% of U.S. towns: A for hazard risk. Most of the expected damage is river and rain flooding (72%) and tornadoes (18%). This is FEMA’s model of an average year for today’s buildings, not a forecast.
Is Wills 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 LaPorte County, 20% of homes in mapped flood zones carry federal flood insurance, and 0.3% of all homes do.
How much is flood insurance in Wills Township?
FEMA’s Community Rating System list shows no discount for Wills Township’s flood program. Premiums depend on the building; policies usually start 30 days after you buy, so get a quote early.
Is Wills Township at risk from river and rain flooding?
It is the largest share of the building damage FEMA expects here (72%), and Wills Township’s rate for it is lower than 72% of U.S. census tracts.
Storm stories
Memories, warnings and help from neighbors in Wills Township.
Sources: FEMA National Risk Index v1.20 (December 2025), census-tract table, combined by where Wills 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.