Natural hazards · Shiloh

Shiloh, IL natural hazards

Most of the natural-hazard damage FEMA expects in Shiloh comes from inland flooding, and overall the risk is high for a U.S. community. Flood insurance has paid 2 claims here since 2017. 3 federal disasters brought FEMA money into town.

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

Expected damage

How exposed is Shiloh?

High

vs. U.S. communities

FEMA expects yearly storm and flood damage to homes and buildings in Shiloh to be higher than in 69% of U.S. communities, mostly from inland flooding.

Inland flooding44%Heat waves14%Cold waves14%Earthquakes13%Tornadoes10%Everything else6%

By hazard

What Shiloh 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 79% of U.S. places

Recorded about 2 times a year in the area

Heat waves

14% of expected damage

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

Recorded about 15 times a year in the area

Cold waves

14% of expected damage

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

Recorded about once a year in the area

Earthquakes

13% of expected damage

Well above average · higher than 81% of U.S. places

Tornadoes

10% 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 Shiloh flood?

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

2paid claims since 2017

$8Kpaid to owners

0homes flooded more than once

20172026

of all homes
are insured

No community discount. Shiloh 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

3 federal disasters brought FEMA money here

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

Brought FEMA money into ShilohDeclared for St. Clair County only

2024

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

21 households applied for aid $30K aid approved

2022

Severe Storm and Flooding

17 households applied for aid $21K aid approved

2006

Severe Winter Storm

$47K to the Village of Shiloh for repairs

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

Around Shiloh

Shiloh and the towns around it

Very lowLowModerateHighVery high

Bellevillemostly earthquakesHigh

Scott AFBmostly inland floodingHigh

Shilohmostly inland floodingHigh

St. Clairmostly inland floodingHigh

Swanseamostly inland floodingHigh

Shiloh Valleymostly inland floodingHigh

Caseyvillemostly earthquakesHigh

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 covers 2 census tracts, combined by population.

Money that reached townFlood claims are matched to Shiloh’s own flood-insurance community; household aid to the registrant’s city; repair grants to the Village of Shiloh. 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 total about $4.8M 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.