Portland Prairie Methodist Episcopal Church · Photo: Kevin Schuchmann · CC BY-SA 3.0Storms, floods and disasters in Winnebago Township
Winnebago Township isn’t graded for hazard risk: Winnebago Township has 242 residents; we grade towns of 1,000 or more.
What Winnebago 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
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.
Does Winnebago Township flood? No paid flood claims on record
FEMA’s records show no paid flood insurance claims in Winnebago Township. That’s not a promise: most homes don’t carry flood insurance, so small floods go unrecorded.
Winnebago 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: Houston County.6 federal disasters brought FEMA money to Winnebago Township
Disasters that paid out in Winnebago Township itself (aid to households or repair grants to Winnebago Township), newest first, with that year’s flood claims.
- 2016Severe Storms and Flooding$80K to Winnebago Township for repairs
- 2013Severe Storms, Straight-line Winds, and Flooding$54K to Winnebago Township for repairs
- 2010Severe Storms, Tornadoes, and Flooding$85K to Winnebago Township for repairs
- 2008Severe Storms and Flooding$183K to Winnebago Township for repairs
- 2007Severe Storms and Flooding$141K to Winnebago Township for repairs
- 2000Severe Storms and Flooding$36K to Winnebago Township for repairs
Houston County has had 18 natural disasters declared by the President since 1953, most often floods, then severe storms. Not counted: the 2005 Hurricane Katrina evacuee emergency, which covered counties that took in evacuees.
Old photos of Winnebago Township after a storm or flood belong in the town’s history. Add one, or share what you remember below.
Add to the Winnebago Township archive →Winnebago Township and its neighbors
How expected damage per building compares across the town line. Tap a town to see its hazards.
| Town | Hazard risk | Mostly (buildings) | Flood claims |
|---|---|---|---|
| Eitzen | — | 281 residents; we grade 1,000+ | |
| Wilmington Township | — | 385 residents; we grade 1,000+ | |
| Mayville Township | — | 324 residents; we grade 1,000+ | |
| Jefferson Township | — | 117 residents; we grade 1,000+ | |
| Crooked Creek Township | — | 253 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 Winnebago 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.
- 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 Winnebago Township
Is Winnebago 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 Houston County, 9% of homes in mapped flood zones carry federal flood insurance, and 0.3% of all homes do.
How much is flood insurance in Winnebago Township?
FEMA’s Community Rating System list shows no discount for Winnebago 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 Winnebago Township?
By FEMA money that reached Winnebago Township, Severe Storms and Flooding (2008): $183K to Winnebago Township for repairs.
Storm stories
Memories, warnings and help from neighbors in Winnebago Township.
Sources: FEMA National Risk Index v1.20 (December 2025), census-tract table, combined by where Winnebago 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.