Natural hazards · Cahokia

Cahokia, IL natural hazards

Most of the natural-hazard damage FEMA expects in Cahokia comes from earthquakes, and overall the risk is moderate for a U.S. community. Flood insurance has paid 10 claims here since 1979. 2 federal disasters brought FEMA money into town.

FEMA National Risk Index, December 2025 · OpenFEMA claims, aid & declarations

Expected damage

How exposed is Cahokia?

Moderate

vs. U.S. communities

FEMA expects yearly storm and flood damage to homes and buildings in Cahokia to be higher than in 43% of U.S. communities, mostly from earthquakes and inland flooding.

Earthquakes26%Inland flooding24%Cold waves17%Heat waves11%Tornadoes9%Strong wind5%Everything else8%

By hazard

What Cahokia faces

Each hazard’s share of the damage FEMA expects here, and how that compares with the rest of the country.

Earthquakes

26% of expected damage

Well above average · higher than 83% of U.S. places

Inland flooding

24% of expected damage

Well below average · higher than 24% of U.S. places

Recorded about once a year in the area

Cold waves

17% of expected damage

Well below average · higher than 18% of U.S. places

Recorded about 2 times a year in the area

Heat waves

11% of expected damage

Above average · higher than 74% of U.S. places

Recorded about 9 times a year in the area

Tornadoes

9% of expected damage

Well above average · higher than 85% of U.S. places

Recorded about once every 43 years in the area

Strong wind

5% of expected damage

Well above average · higher than 91% of U.S. places

Recorded about 6 times a year in the area

Lower here

HurricanesHailIce stormsWinter weatherWildfireLandslidesLightningDrought

Not a risk here

Coastal floodingAvalanchesTsunamisVolcanic activity

Flood risk changes street by street. Check a specific address on FEMA’s flood map, and ask about flood insurance before you buy.

Flood insurance claims

Does Cahokia flood?

Every paid claim on a federal flood insurance policy in Cahokia, from FEMA’s records.

10paid claims since 1979

$53Kpaid to owners

0homes flooded more than once

19792026

Biggest named events

Hurricane Ike: 1 claim, $307

of all homes
are insured

No community discount. Cahokia isn’t in FEMA’s Community Rating System, which cuts flood insurance up to 45% in towns that do extra flood-proofing.

Insurance rates: Macoupin County.

Disasters that hit Cahokia

2 federal disasters brought FEMA money here

Disasters the President declared that paid out in Cahokia itself: aid to households, or repair grants to the Township of Cahokia.

Brought FEMA money into CahokiaDeclared for Macoupin County only

2006

Severe Winter Storm

$16K to the Township of Cahokia for repairs

2002

Severe Storms, Tornadoes and Flooding

$10K to the Township of Cahokia for repairs

Macoupin County has had 7 natural disasters declared since 1953, most often severe storms and tornadoes.

Around Cahokia

Cahokia and the towns around it

Very lowLowModerateHighVery high

Mount Olivemostly earthquakesModerate

Gillespiemostly earthquakesModerate

Mount Claremostly earthquakesModerate

South Litchfieldmostly inland floodingModerate

Cahokiamostly earthquakesModerate

Honey Pointmostly inland floodingModerate

Benldmostly earthquakesLow

About these numbers

How to read this page

An average, not a forecastFEMA’s National Risk Index estimates the damage 18 kinds of natural hazards cause in a typical year, from decades of records and models. A quiet decade can follow a bad year.

Compared by rate“Higher than N%” compares yearly damage as a share of what’s here, so a big city isn’t rated riskier just for having more buildings. Cahokia covers 2 census tracts, combined by population.

Money that reached townFlood claims are matched to Cahokia’s own flood-insurance community (here, the census tracts inside it); household aid to the registrant’s city; repair grants to the Township of Cahokia. FEMA’s model follows property values, so a place that recently lost many homes can rate lower than it feels.

FEMA’s expected losses across Cahokia total about $4.6M a year, counting buildings, people and crops.

Sources: FEMA National Risk Index (December 2025); 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. Census tracts: U.S. Census Bureau.