Natural hazards · Smithton

Smithton, IL natural hazards

Most of the natural-hazard damage FEMA expects in Smithton comes from earthquakes, and overall the risk is high for a U.S. community. Flood insurance has paid 2 claims here since 2007.

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

Expected damage

How exposed is Smithton?

High

vs. U.S. communities

FEMA expects yearly storm and flood damage to homes and buildings in Smithton to be higher than in 64% of U.S. communities, mostly from earthquakes and inland flooding.

Earthquakes33%Inland flooding31%Heat waves10%Cold waves10%Tornadoes8%Everything else6%

By hazard

What Smithton faces

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

Earthquakes

33% of expected damage

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

Inland flooding

31% of expected damage

Above average · higher than 56% of U.S. places

Recorded about 2 times a year in the area

Heat waves

10% of expected damage

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

Recorded about 15 times a year in the area

Cold waves

10% of expected damage

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

Recorded about once a year in the area

Tornadoes

8% of expected damage

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

Recorded about once every 36 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 Smithton flood?

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

2paid claims since 2007

$9Kpaid to owners

0homes flooded more than once

20072026

of all homes
are insured

No community discount. Smithton 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 Smithton

Federal disasters declared here

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

Brought FEMA money into SmithtonDeclared for St. Clair County only

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

Around Smithton

Smithton and the towns around it

Very lowLowModerateHighVery high

Prairie Du Longmostly inland floodingHigh

Bellevillemostly earthquakesHigh

Freeburgmostly inland floodingHigh

St. Clairmostly inland floodingHigh

Smithtonmostly earthquakesHigh

Freeburgmostly inland floodingHigh

Millstadtmostly inland floodingHigh

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. Smithton covers 2 census tracts, combined by population.

Money that reached townFlood claims are matched to Smithton’s own flood-insurance community (here, the census tracts inside it); household aid to the registrant’s city; repair grants to the Township of Smithton. 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 Smithton total about $4.7M 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.