Natural hazards · St. Libory

St. Libory, IL natural hazards

Most of the natural-hazard damage FEMA expects in St. Libory comes from inland flooding, and overall the risk is high 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. Libory?

High

vs. U.S. communities

FEMA expects yearly storm and flood damage to homes and buildings in St. Libory to be higher than in 79% of U.S. communities, mostly from inland flooding and earthquakes.

Inland flooding40%Earthquakes33%Cold waves8%Heat waves8%Tornadoes7%Everything else6%

By hazard

What St. Libory faces

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

Inland flooding

40% of expected damage

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

Recorded about 2 times a year in the area

Earthquakes

33% of expected damage

Well above average · higher than 87% of U.S. places

Cold waves

8% of expected damage

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

Recorded about once a year in the area

Heat waves

8% of expected damage

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

Recorded about 15 times a year in the area

Tornadoes

7% of expected damage

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

Recorded about once every 8 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 St. Libory flood?

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

of all homes
are insured

No community discount. St. Libory 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 St. Libory

2 federal disasters brought FEMA money here

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

Brought FEMA money into St. LiboryDeclared for St. Clair County only

2024

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

2 households applied for aid $750 aid approved

2022

Severe Storm and Flooding

3 households applied for aid

St. Clair County has had 17 natural disasters declared since 1953, most often floods and severe 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. Libory 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. Libory’s own flood-insurance community; household aid to the registrant’s city; repair grants to the Village of St. Libory. 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.