Storms, floods and disasters in Odin Township
Odin Township isn’t graded for hazard risk: Odin Township has 30 residents; we grade towns of 1,000 or more. Flood insurance has paid 27 claims here since 1979.
What Odin 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
Wildfire
Tornadoes
Ice storms
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 Odin Township flood? Sometimes: 27 flood claims since 1979
Every paid claim on a federal flood insurance policy in Odin Township, from FEMA’s records.
- The Late spring storms8 claims · $129K
Odin 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: McHenry County.The storms Odin Township remembers
None of the 29 disasters declared for McHenry County shows FEMA aid or repair money reaching Odin Township itself in FEMA’s records, so these are its biggest flood-claim years.
- 201113 flood claims paidThe year of Flooding, declared for McHenry County
- 197910 flood claims paidThe year of Severe Storms, Snowmelt and Flooding, declared for McHenry County
- 20093 flood claims paidThe year of Severe Storms and Flooding, declared for McHenry County
McHenry County has had 29 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 Odin Township after a storm or flood belong in the town’s history. Add one, or share what you remember below.
Add to the Odin Township archive →Odin 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 |
|---|---|---|---|
| Cottonwood Lake Township | — | 10 residents; we grade 1,000+ | |
| Voltaire Township | — | 26 residents; we grade 1,000+ | |
| Lake Hester Township | — | 21 residents; we grade 1,000+ | |
| Balfour Township | — | 21 residents; we grade 1,000+ | |
| Bergen | — | 1 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 Odin 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.
- Clear dead leaves and brush within 5 feet of the house.
- Sign up for local alerts and know two ways out.
- Keep N95 masks for smoky days.
- 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.
- Ice brings down trees and lines: plan for days without power.
- Run a generator outside, far from doors and windows.
- Keep sand or salt by the door.
- 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 Odin Township
Does Odin Township flood?
Flood insurance has paid 27 claims in Odin Township since 1979, $473K in all. The most claims came from Late spring storms (8).
Is Odin 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 McHenry County, 7% of homes in mapped flood zones carry federal flood insurance, and 0.8% of all homes do.
How much is flood insurance in Odin Township?
FEMA’s Community Rating System list shows no discount for Odin 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 Odin Township?
By flood claims, Late spring storms: 8 paid, $129K.
Storm stories
Memories, warnings and help from neighbors in Odin Township.
Sources: FEMA National Risk Index v1.20 (December 2025), census-tract table, combined by where Odin 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.