Natural hazards · Shipman

Shipman, IL natural hazards

Most of the natural-hazard damage FEMA expects in Shipman comes from earthquakes, and overall the risk is moderate for a U.S. community. Flood insurance has paid 2 claims here since 1979. 1 federal disaster brought FEMA money into town.

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

Expected damage

How exposed is Shipman?

Moderate

vs. U.S. communities

FEMA expects yearly storm and flood damage to homes and buildings in Shipman to be higher than in 46% of U.S. communities, mostly from earthquakes and inland flooding.

Earthquakes30%Inland flooding26%Cold waves14%Heat waves9%Tornadoes9%Strong wind5%Everything else8%

By hazard

What Shipman faces

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

Earthquakes

30% of expected damage

Well above average · higher than 83% of U.S. places

Inland flooding

26% of expected damage

Below average · higher than 27% of U.S. places

Recorded about once a year in the area

Cold waves

14% of expected damage

Well below average · higher than 18% of U.S. places

Recorded about 2 times a year in the area

Heat waves

9% of expected damage

Above average · higher than 74% of U.S. places

Recorded about 9 times a year in the area

Tornadoes

9% of expected damage

Well above average · higher than 85% of U.S. places

Recorded about once every 16 years in the area

Strong wind

5% of expected damage

Well above average · higher than 91% of U.S. places

Recorded about 6 times a year in the area

Lower here

HurricanesHailIce stormsWinter weatherWildfireLandslidesLightningDrought

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 Shipman flood?

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

2paid claims since 1979

$27Kpaid to owners

0homes flooded more than once

19792026

of all homes
are insured

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

Insurance rates: Macoupin County.

Disasters that hit Shipman

1 federal disaster brought FEMA money here

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

Brought FEMA money into ShipmanDeclared for Macoupin County only

2002

Severe Storms, Tornadoes and Flooding

$9K to the Township of Shipman for repairs

Macoupin County has had 7 natural disasters declared since 1953, most often severe storms and tornadoes.

Around Shipman

Shipman and the towns around it

Very lowLowModerateHighVery high

Hillyardmostly inland floodingModerate

Shipmanmostly earthquakesModerate

Brightonmostly earthquakesModerate

Chesterfieldmostly inland floodingModerate

Fidelitymostly heat wavesModerate

Ruylemostly heat wavesModerate

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. Shipman covers 1 census tract, combined by population.

Money that reached townFlood claims are matched to Shipman’s own flood-insurance community (here, the census tracts inside it); household aid to the registrant’s city; repair grants to the Township of Shipman. 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 Shipman total about $3.7M 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.