Natural hazards · St. David

St. David, IL natural hazards

Most of the natural-hazard damage FEMA expects in St. David comes from inland flooding, and overall the risk is low for a U.S. community. 2 federal disasters brought FEMA money into town.

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

Expected damage

How exposed is St. David?

Low

vs. U.S. communities

FEMA expects yearly storm and flood damage to homes and buildings in St. David to be higher than in 32% of U.S. communities, mostly from inland flooding.

Inland flooding50%Tornadoes13%Cold waves9%Earthquakes8%Hail6%Everything else13%

By hazard

What St. David faces

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

Inland flooding

50% of expected damage

Well below average · higher than 24% of U.S. places

Recorded about 2 times a year in the area

Tornadoes

13% of expected damage

Well above average · higher than 93% of U.S. places

Recorded about once every 7 years in the area

Cold waves

9% of expected damage

Above average · higher than 61% of U.S. places

Recorded about 5 times a year in the area

Earthquakes

8% of expected damage

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

Hail

6% of expected damage

Well above average · higher than 90% of U.S. places

Recorded about 4 times a year in the area

Lower here

HurricanesIce stormsWinter weatherHeat 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 St. David flood?

FEMA's records show no paid flood insurance claims in St. David.

of homes in flood zones
are insured

of all homes
are insured

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

Insurance rates: Fulton County.

Disasters that hit St. David

2 federal disasters brought FEMA money here

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

Brought FEMA money into St. DavidDeclared for Fulton County only

2024

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

20 households applied for aid $129K aid approved

2013

Severe Storms, Straight-Line Winds, and Flooding

1 household applied for aid $9K aid approved

Fulton County has had 18 natural disasters declared since 1953, most often floods and winter 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. St. David 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 St. David’s own flood-insurance community; household aid to the registrant’s city; repair grants to the Village of St. David. 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.