Natural hazards · St. Rose

St. Rose, IL natural hazards

Most of the natural-hazard damage FEMA expects in St. Rose comes from inland flooding, and overall the risk is high for a U.S. community. Flood insurance has paid 1 claim here since 2015.

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

Expected damage

How exposed is St. Rose?

High

vs. U.S. communities

FEMA expects yearly storm and flood damage to homes and buildings in St. Rose to be higher than in 77% of U.S. communities, mostly from inland flooding and earthquakes.

Inland flooding55%Earthquakes17%Tornadoes7%Strong wind6%Cold waves6%Everything else10%

By hazard

What St. Rose faces

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

Inland flooding

55% of expected damage

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

Recorded about once a year in the area

Earthquakes

17% of expected damage

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

Tornadoes

7% of expected damage

Well above average · higher than 76% of U.S. places

Recorded about once every 16 years in the area

Strong wind

6% of expected damage

Well above average · higher than 97% of U.S. places

Recorded about 6 times a year in the area

Cold waves

6% of expected damage

Well below average · higher than 19% of U.S. places

Recorded about once a year in the area

Lower here

HurricanesHailIce stormsWinter weatherHeat wavesWildfireLandslidesLightningDrought

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. Rose flood?

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

1paid claims since 2015

$126Kpaid to owners

0homes flooded more than once

20152026

Biggest named events

Early winter storms: 1 claim, $126K

of homes in flood zones
are insured

of all homes
are insured

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

Insurance rates: Clinton County.

Disasters that hit St. Rose

Federal disasters declared here

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

Brought FEMA money into St. RoseDeclared for Clinton County only

Clinton County has had 5 natural disasters declared since 1953, most often floods and hurricanes.

Around St. Rose

St. Rose and the towns around it

Very lowLowModerateHighVery high

St. Rosemostly inland floodingHigh

Wheatfieldmostly inland floodingHigh

Helvetiamostly inland floodingHigh

Breesemostly inland floodingHigh

Burgessmostly 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. St. Rose covers 1 census tract, combined by population.

Money that reached townFlood claims are matched to St. Rose’s own flood-insurance community (here, the census tracts inside it); household aid to the registrant’s city; repair grants to the Township of St. Rose. 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. Rose total about $2.2M 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.