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Natural hazards · Steuben

Steuben, IL natural hazards

Most of the natural-hazard damage FEMA expects in Steuben comes from inland flooding, and overall the risk is low for a U.S. community. 3 federal disasters brought FEMA money into town.

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

How exposed is Steuben?

34
Low
vs. U.S. communities

FEMA expects yearly storm and flood damage to homes and buildings in Steuben to be higher than in 34% of U.S. communities, mostly from inland flooding and drought.

Inland flooding39%Drought24%Strong wind10%Cold waves10%Tornadoes9%Everything else8%
By hazard

What Steuben faces

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

Inland flooding

39% of expected damage
Below average · higher than 43% of U.S. places
Recorded about once a year in the area

Drought

24% of expected damage
Recorded about 9 times a year in the area

Strong wind

10% of expected damage
Well above average · higher than 98% of U.S. places
Recorded about 6 times a year in the area

Cold waves

10% of expected damage
Above average · higher than 61% of U.S. places
Recorded about 5 times a year in the area

Tornadoes

9% of expected damage
Well above average · higher than 79% of U.S. places
Recorded about once every 6 years in the area

Lower here

HurricanesHailIce stormsWinter weatherHeat wavesWildfireEarthquakesLandslidesLightning

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 Steuben flood?

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

of homes in flood zones
are insured
of all homes
are insured
No community discount. Steuben isn’t in FEMA’s Community Rating System, which cuts flood insurance up to 45% in towns that do extra flood-proofing.
Insurance rates: Marshall County.
Disasters that hit Steuben

3 federal disasters brought FEMA money here

Disasters the President declared that paid out in Steuben itself: aid to households, or repair grants to the Township of Steuben.

Brought FEMA money into SteubenDeclared for Marshall County only
2006

Snow

$3K to the Township of Steuben for repairs
2000

Illinois Winter Snow Storms

$3K to the Township of Steuben for repairs
1999

Il-Winter Storm 1/1/99

$3K to the Township of Steuben for repairs
Marshall County has had 12 natural disasters declared since 1953, most often winter storms and floods.
Around Steuben

Steuben and the towns around it

Lacon: Moderate, mostly inland floodingWhitefield: Low, mostly inland floodingLa Prairie: Low, mostly inland floodingChillicothe: High, mostly inland floodingHenry: Moderate, mostly inland floodingRichland: Moderate, mostly inland floodingHopewell: Low, mostly inland floodingPartridge: High, mostly inland floodingSaratoga: Low, mostly inland floodingWheatland: Low, mostly inland floodingHallock: High, mostly inland floodingValley: Moderate, mostly inland floodingRome: Very high, mostly inland floodingMedina: Low, mostly inland floodingMagnolia: Low, mostly inland floodingSenachwine: Low, mostly inland floodingHenry: Moderate, mostly inland floodingHennepin: Low, mostly inland floodingSteuben: Low, mostly inland flooding SteubenLaconWhitefieldLa PrairieChillicotheHenry
Very lowLowModerateHighVery high
Chillicothemostly inland floodingHigh
Henrymostly inland floodingModerate
Laconmostly inland floodingModerate
Steubenmostly inland floodingLow
Whitefieldmostly inland floodingLow
La Prairiemostly inland floodingLow
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. Steuben 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 Steuben’s own flood-insurance community; household aid to the registrant’s city; repair grants to the Township of Steuben. 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.

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Boundary source: https://tigerweb.geo.census.gov/arcgis/rest/services/TIGERweb/Places_CouSub_ConCity_SubMCD/MapServer/15 · 2025-01-01
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