Natural hazards · St. Francis

St. Francis, IL natural hazards

Most of the natural-hazard damage FEMA expects in St. Francis comes from inland flooding, and overall the risk is moderate for a U.S. community.

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

Expected damage

How exposed is St. Francis?

Moderate

vs. U.S. communities

FEMA expects yearly storm and flood damage to homes and buildings in St. Francis to be higher than in 49% of U.S. communities, mostly from inland flooding and earthquakes.

Inland flooding41%Earthquakes23%Tornadoes10%Drought8%Cold waves7%Everything else12%

By hazard

What St. Francis faces

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

Inland flooding

41% of expected damage

Above average · higher than 50% of U.S. places

Recorded about 2 times a year in the area

Earthquakes

23% of expected damage

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

Tornadoes

10% of expected damage

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

Recorded about once every 22 years in the area

Drought

8% of expected damage

Recorded about 2 times a year in the area

Cold waves

7% of expected damage

Well below average · higher than 17% of U.S. places

Recorded about 2 times a year in the area

Lower here

HurricanesHailIce stormsWinter weatherHeat wavesWildfireLandslidesStrong windLightning

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. Francis flood?

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

of all homes
are insured

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

Insurance rates: Effingham County.

Disasters that hit St. Francis

Federal disasters declared here

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

Brought FEMA money into St. FrancisDeclared for Effingham County only

Effingham County has had 5 natural disasters declared since 1953, most often tornadoes and winter storms.

Around St. Francis

St. Francis and the towns around it

Very lowLowModerateHighVery high

Grovemostly inland floodingHigh

Spring Pointmostly inland floodingHigh

Bishopmostly inland floodingHigh

Watsonmostly inland floodingHigh

St. Francismostly inland floodingModerate

Teutopolismostly 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. St. Francis covers 1 census tract, combined by population.

Money that reached townFlood claims are matched to St. Francis’s own flood-insurance community; household aid to the registrant’s city; repair grants to the Township of St. Francis. 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 St. Francis total about $2.6M 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.