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Natural hazards · Granite

Granite, IL natural hazards

Most of the natural-hazard damage FEMA expects in Granite comes from inland flooding, and overall the risk is very high for a U.S. community. Flood insurance has paid 104 claims here since 1979. 3 federal disasters brought FEMA money into town.

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

How exposed is Granite?

86
Very high
vs. U.S. communities

FEMA expects yearly storm and flood damage to homes and buildings in Granite to be higher than in 86% of U.S. communities, mostly from inland flooding and earthquakes.

Inland flooding44%Earthquakes26%Tornadoes11%Heat waves8%Cold waves7%Everything else4%
By hazard

What Granite faces

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

Inland flooding

44% of expected damage
Well above average · higher than 93% of U.S. places
Recorded about once a year in the area

Earthquakes

26% of expected damage
Well above average · higher than 85% of U.S. places

Tornadoes

11% of expected damage
Well above average · higher than 88% of U.S. places

Heat waves

8% of expected damage
Well above average · higher than 86% of U.S. places
Recorded about 15 times a year in the area

Cold waves

7% of expected damage
Well below average · higher than 18% of U.S. places
Recorded about 2 times a year in the area

Lower here

HurricanesHailIce stormsWinter weatherWildfireLandslidesStrong windLightningDrought

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 Granite flood?

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

104paid claims since 1979
$663Kpaid to owners
3homes flooded more than once
19792026

Biggest named events

  • Hurricane Ike: 8 claims, $34K
  • Midwest Flooding: 8 claims, $90K
  • Early winter storms: 2 claims, $8K

Homes that flooded again and again

■ FEMA “severe repetitive loss” (0) ■ flooded 2+ times

of all homes
are insured
No community discount. Granite isn’t in FEMA’s Community Rating System, which cuts flood insurance up to 45% in towns that do extra flood-proofing.
Insurance rates: Madison County.

What’s been done with FEMA grants

33flood-prone properties bought out and cleared
1flood-prone homes bought out and moved
Disasters that hit Granite

3 federal disasters brought FEMA money here

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

Brought FEMA money into GraniteDeclared for Madison County only
2019

Severe Storms and Flooding

$878K to the City of Granite for repairs
2008

Severe Storms and Flooding

$830K to the City of Granite for repairs
2006

Severe Winter Storm

$56K to the City of Granite for repairs
Madison County has had 14 natural disasters declared since 1953, most often floods and severe storms.
Around Granite

Granite and the towns around it

Granite City: Very high, mostly inland floodingMadison: Very high, mostly inland floodingNameoki: Very high, mostly inland floodingPontoon Beach: Very high, mostly inland floodingVenice: High, mostly inland floodingHartford: High, mostly inland floodingChouteau: High, mostly inland floodingFairmont City: Very high, mostly earthquakesVenice: High, mostly inland floodingBrooklyn: High, mostly earthquakesCollinsville: Moderate, mostly inland floodingCanteen: Very high, mostly inland floodingCollinsville: Moderate, mostly inland floodingMitchell: High, mostly inland floodingEdwardsville: Moderate, mostly earthquakesGlen Carbon: Moderate, mostly inland floodingEdwardsville: Moderate, mostly inland floodingSt. Louis: High, mostly heat wavesStites: High, mostly earthquakesRoxana: High, mostly inland floodingWood River: High, mostly inland floodingSouth Roxana: High, mostly inland floodingWood River: High, mostly inland floodingWest Alton: High, mostly inland floodingGranite City: Very high, mostly inland flooding Granite CityGranite CityMadisonNameokiPontoon BeachVeniceHartfordChouteau
Very lowLowModerateHighVery high
Granite Citymostly inland floodingVery high
Nameokimostly inland floodingVery high
Granite Citymostly inland floodingVery high
Pontoon Beachmostly inland floodingVery high
Madisonmostly inland floodingVery high
Venicemostly inland floodingHigh
Hartfordmostly inland floodingHigh
Chouteaumostly inland floodingHigh
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. Granite covers 9 census tracts, combined by population.
Money that reached townFlood claims are matched to Granite’s own flood-insurance community; household aid to the registrant’s city; repair grants to the City of Granite. 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 Granite total about $26.1M 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.

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Boundary source: https://tigerweb.geo.census.gov/arcgis/rest/services/TIGERweb/Places_CouSub_ConCity_SubMCD/MapServer/18 · 2025-01-01
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