Natural hazards · Mascoutah

Mascoutah, IL natural hazards

Most of the natural-hazard damage FEMA expects in Mascoutah comes from inland flooding, and overall the risk is high for a U.S. community. Flood insurance has paid 5 claims here since 2011. 2 federal disasters brought FEMA money into town.

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

Expected damage

How exposed is Mascoutah?

High

vs. U.S. communities

FEMA expects yearly storm and flood damage to homes and buildings in Mascoutah to be higher than in 75% of U.S. communities, mostly from inland flooding and earthquakes.

Inland flooding36%Earthquakes31%Heat waves11%Cold waves10%Tornadoes8%Everything else5%

By hazard

What Mascoutah faces

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

Inland flooding

36% of expected damage

Well above average · higher than 77% of U.S. places

Recorded about 2 times a year in the area

Earthquakes

31% of expected damage

Well above average · higher than 86% of U.S. places

Heat waves

11% of expected damage

Well above average · higher than 80% of U.S. places

Recorded about 15 times a year in the area

Cold waves

10% of expected damage

Well below average · higher than 20% of U.S. places

Recorded about once a year in the area

Tornadoes

8% of expected damage

Well above average · higher than 78% of U.S. places

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 Mascoutah flood?

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

5paid claims since 2011

$27Kpaid to owners

0homes flooded more than once

20112026

Biggest named events

Early winter storms: 1 claim, $4K
Mid-spring storms: 1 claim, $3K

of all homes
are insured

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

Insurance rates: St. Clair County.

Disasters that hit Mascoutah

2 federal disasters brought FEMA money here

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

Brought FEMA money into MascoutahDeclared for St. Clair County only

2024

Severe Storms, Tornadoes, Straight-Line Winds, and Floodng

58 households applied for aid $182K aid approved

2022

Severe Storm and Flooding

12 households applied for aid $19K aid approved

St. Clair County has had 17 natural disasters declared since 1953, most often floods and severe storms.

Around Mascoutah

Mascoutah and the towns around it

Very lowLowModerateHighVery high

Engelmannmostly inland floodingHigh

Mascoutahmostly inland floodingHigh

Scott AFBmostly inland floodingHigh

Mascoutahmostly inland floodingHigh

Shiloh Valleymostly 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. Mascoutah covers 1 census tract, combined by population.

Money that reached townFlood claims are matched to Mascoutah’s own flood-insurance community; household aid to the registrant’s city; repair grants to the City of Mascoutah. 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 Mascoutah total about $2.5M 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.