Natural hazards · Mill Shoals

Mill Shoals, IL natural hazards

Most of the natural-hazard damage FEMA expects in Mill Shoals comes from inland flooding, and overall the risk is high for a U.S. community. Flood insurance has paid 1 claim here since 2004.

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

Expected damage

How exposed is Mill Shoals?

High

vs. U.S. communities

FEMA expects yearly storm and flood damage to homes and buildings in Mill Shoals to be higher than in 73% of U.S. communities, mostly from inland flooding and earthquakes.

Inland flooding35%Earthquakes35%Tornadoes10%Strong wind5%Everything else15%

By hazard

What Mill Shoals faces

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

Inland flooding

35% of expected damage

Above average · higher than 65% of U.S. places

Recorded about 7 times a year in the area

Earthquakes

35% of expected damage

Well above average · higher than 87% of U.S. places

Tornadoes

10% of expected damage

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

Recorded about once every 10 years in the area

Strong wind

5% of expected damage

Well above average · higher than 93% of U.S. places

Recorded about 4 times a year in the area

Lower here

HurricanesHailIce stormsWinter weatherCold wavesHeat wavesWildfireLandslidesLightningDrought

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 Mill Shoals flood?

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

1paid claims since 2004

$9Kpaid to owners

0homes flooded more than once

20042026

of homes in flood zones
are insured

of all homes
are insured

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

Insurance rates: White County.

Disasters that hit Mill Shoals

Federal disasters declared here

None of the disasters declared for White County shows FEMA aid or repair money reaching Mill Shoals itself in FEMA’s records.

Brought FEMA money into Mill ShoalsDeclared for White County only

White County has had 8 natural disasters declared since 1953, most often severe storms and tornadoes.

Around Mill Shoals

Mill Shoals and the towns around it

Very lowLowModerateHighVery high

Burnt Prairiemostly earthquakesHigh

Mill Shoalsmostly inland floodingHigh

Enfieldmostly inland floodingHigh

Barnhillmostly inland floodingHigh

Crouchmostly earthquakesHigh

Beaver Creekmostly earthquakesHigh

Crookmostly earthquakesHigh

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. Mill Shoals covers 1 census tract, combined by population.

Money that reached townFlood claims are matched to Mill Shoals’s own flood-insurance community (here, the census tracts inside it); household aid to the registrant’s city; repair grants to the Township of Mill Shoals. 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 Mill Shoals total about $3.0M 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.