Natural hazards · New Baden

New Baden, IL natural hazards

Most of the natural-hazard damage FEMA expects in New Baden comes from inland flooding, and overall the risk is high for a U.S. community. Flood insurance has paid 4 claims here since 1987. 1 federal disaster brought FEMA money into town.

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

Expected damage

How exposed is New Baden?

High

vs. U.S. communities

FEMA expects yearly storm and flood damage to homes and buildings in New Baden to be higher than in 60% of U.S. communities, mostly from inland flooding and earthquakes.

Inland flooding37%Earthquakes24%Heat waves11%Cold waves11%Tornadoes9%Everything else7%

By hazard

What New Baden faces

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

Inland flooding

37% of expected damage

Above average · higher than 60% of U.S. places

Recorded about 2 times a year in the area

Earthquakes

24% of expected damage

Well above average · higher than 83% 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

11% of expected damage

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

Recorded about once a year in the area

Tornadoes

9% of expected damage

Well above average · higher than 79% of U.S. places

Recorded about once every 35 years 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 New Baden flood?

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

4paid claims since 1987

$17Kpaid to owners

0homes flooded more than once

19872026

Biggest named events

Mid-spring storms: 1 claim, $4K
Early winter storms: 1 claim, $8K

of all homes
are insured

No community discount. New Baden 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 New Baden

1 federal disaster brought FEMA money here

Disasters the President declared that paid out in New Baden itself: aid to households, or repair grants to the Village of New Baden.

Brought FEMA money into New BadenDeclared for St. Clair County only

2022

Severe Storm and Flooding

1 household applied for aid $9K aid approved

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

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. New Baden is smaller than a census tract, so it shares the figures of the tract around its center.

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

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.