Natural hazards · Shiloh Valley

Shiloh Valley, IL natural hazards

Most of the natural-hazard damage FEMA expects in Shiloh Valley comes from inland flooding, and overall the risk is high for a U.S. community. Flood insurance has paid 1 claim here since 2020.

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

Expected damage

How exposed is Shiloh Valley?

High

vs. U.S. communities

FEMA expects yearly storm and flood damage to homes and buildings in Shiloh Valley to be higher than in 68% of U.S. communities, mostly from inland flooding and earthquakes.

Inland flooding67%Earthquakes16%Tornadoes7%Everything else11%

By hazard

What Shiloh Valley faces

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

Inland flooding

67% of expected damage

Well above average · higher than 76% of U.S. places

Recorded about 2 times a year in the area

Earthquakes

16% of expected damage

Well above average · higher than 82% of U.S. places

Tornadoes

7% of expected damage

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

Lower here

HurricanesHailIce stormsWinter weatherCold wavesHeat wavesWildfireLandslidesStrong 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 Shiloh Valley flood?

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

1paid claims since 2020

$8Kpaid to owners

0homes flooded more than once

20202026

of all homes
are insured

No community discount. Shiloh Valley 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 Shiloh Valley

Federal disasters declared here

None of the disasters declared for St. Clair County shows FEMA aid or repair money reaching Shiloh Valley itself in FEMA’s records.

Brought FEMA money into Shiloh ValleyDeclared for St. Clair County only

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

Around Shiloh Valley

Shiloh Valley and the towns around it

Very lowLowModerateHighVery high

Bellevillemostly earthquakesHigh

Mascoutahmostly inland floodingHigh

Scott AFBmostly inland floodingHigh

Mascoutahmostly inland floodingHigh

Freeburgmostly inland floodingHigh

St. Clairmostly inland floodingHigh

Shilohmostly inland floodingHigh

Shiloh Valleymostly inland floodingHigh

Freeburgmostly inland floodingHigh

O'Fallonmostly inland floodingModerate

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. Shiloh Valley covers 3 census tracts, combined by population.

Money that reached townFlood claims are matched to Shiloh Valley’s own flood-insurance community (here, the census tracts inside it); household aid to the registrant’s city; repair grants to the Township of Shiloh Valley. 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 Shiloh Valley total about $27.4M 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.