Natural hazards · Standard

Standard, IL natural hazards

Most of the natural-hazard damage FEMA expects in Standard 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 Standard?

Moderate

vs. U.S. communities

FEMA expects yearly storm and flood damage to homes and buildings in Standard to be higher than in 43% of U.S. communities, mostly from inland flooding and earthquakes.

Inland flooding32%Earthquakes30%Tornadoes10%Cold waves9%Strong wind6%Heat waves6%Everything else9%

By hazard

What Standard faces

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

Inland flooding

32% of expected damage

Below average · higher than 25% of U.S. places

Recorded about once a year in the area

Earthquakes

30% of expected damage

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

Tornadoes

10% of expected damage

Well above average · higher than 86% of U.S. places

Recorded about once every 5 years in the area

Cold waves

9% of expected damage

Well below average · higher than 18% of U.S. places

Recorded about 2 times a year in the area

Strong wind

6% of expected damage

Well above average · higher than 91% of U.S. places

Recorded about 6 times a year in the area

Heat waves

6% of expected damage

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

Recorded about 9 times a year in the area

Lower here

HurricanesHailIce stormsWinter weatherWildfireLandslidesLightningDrought

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 Standard flood?

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

of all homes
are insured

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

Insurance rates: Macoupin County.

Disasters that hit Standard

Federal disasters declared here

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

Brought FEMA money into StandardDeclared for Macoupin County only

Macoupin County has had 7 natural disasters declared since 1953, most often severe storms and tornadoes.

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. Standard 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 Standard’s own flood-insurance community; household aid to the registrant’s city; repair grants to the Village of Standard. 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.