St. Clair County, Illinois: hazard risk
FEMA rates St. Clair County's overall risk Relatively High (score 94.9 of 100, higher than 94% of rated U.S. counties); 8 of its 14 hazards are rated Relatively High or Very High, led by heat wave, hail, cold wave. Its storm record holds 1,047 events since 1950.
FEMA's rating for each hazard
These are FEMA's county-wide model ratings and this county's storm record. They are not an assessment of any property, address or building, and not insurance advice: a property's risk depends on its own elevation, construction and location.
FEMA gives each hazard its own rating, and a rating does not follow the score from one hazard to the next: a hazard with a higher score can carry a lower rating than another. The table sorts by FEMA's rating, then by score (0 to 100, the county against every other county for that hazard).
| Hazard | Risk rating | Score | Expected annual loss |
|---|---|---|---|
| Heat Wave | Relatively High | 98.1 | $15M |
| Hail | Relatively High | 97.6 | $5.1M |
| Cold Wave | Relatively High | 96.4 | $15M |
| Tornado | Relatively High | 95.5 | $13M |
| Riverine Flooding | Relatively High | 94.5 | $72M |
| Lightning | Relatively High | 93.7 | $1.6M |
| Ice Storm | Relatively High | 91.0 | $1.0M |
| Winter Weather | Relatively High | 87.2 | $333K |
| Earthquake | Relatively Moderate | 98.0 | $51M |
| Strong Wind | Relatively Moderate | 54.0 | $627K |
| Landslide | Relatively Low | 84.3 | $28K |
| Drought | Relatively Low | 61.4 | $314K |
| Hurricane | Very Low | 34.9 | $21K |
| Wildfire | Very Low | 15.1 | $5K |
Source: FEMA National Risk Index, December 2025 release. A model of future loss, not a count of past events. FEMA's National Risk Index map.
What the record holds
| Hazard | Records | Deaths | Damage | Rank in state | Rank in U.S. |
|---|---|---|---|---|---|
| Severe thunderstorm wind | 457 | 2 | $2.4M | 6th of 102 | 352nd of 3,080 |
| Hail | 319 | 0 | $13K | 2nd of 102 | 128th of 3,080 |
| Heat | 71 | 17 | – | 25th of 102 | 265th of 3,076 |
| Floods | 58 | 0 | $20M | 46th of 102 | 944th of 3,080 |
| Tornadoes | 56 | 12 | $58M | 15th of 102 | 208th of 3,080 |
| Winter storms | 53 | 0 | – | 80th of 102 | 1785th of 3,077 |
| High wind and dust storms | 13 | 0 | $127K | 79th of 102 | 1966th of 3,080 |
| Lightning | 7 | 2 | $87K | 18th of 102 | 676th of 3,080 |
| Extreme cold | 5 | 0 | – | 95th of 102 | 2016th of 3,076 |
| Drought | 4 | 0 | – | 99th of 102 | 2158th of 3,063 |
| Heavy rain | 3 | 0 | – | 49th of 102 | 1407th of 3,080 |
Source: NOAA NCEI Storm Events Database, 1950 to 2026-06-30; damage in 2025 dollars. Search the record at NCEI.
The full St. Clair County record: every hazard by year and month, the deadliest events and FEMA's declarations.