Natural hazards · Stewardson

Stewardson, IL natural hazards

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

High

vs. U.S. communities

FEMA expects yearly storm and flood damage to homes and buildings in Stewardson to be higher than in 60% of U.S. communities, mostly from inland flooding and cold waves.

Inland flooding37%Cold waves24%Drought15%Earthquakes9%Everything else16%

By hazard

What Stewardson faces

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

Inland flooding

37% of expected damage

Above average · higher than 72% of U.S. places

Recorded about 2 times a year in the area

Cold waves

24% of expected damage

Above average · higher than 54% of U.S. places

Recorded about 3 times a year in the area

Drought

15% of expected damage

Recorded about 2 times a year in the area

Earthquakes

9% of expected damage

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

Lower here

HurricanesTornadoesHailIce 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 Stewardson flood?

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

of all homes
are insured

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

Insurance rates: Shelby County.

Disasters that hit Stewardson

2 federal disasters brought FEMA money here

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

Brought FEMA money into StewardsonDeclared for Shelby County only

2002

Severe Storms, Tornadoes and Flooding

$2K to the Village of Stewardson for repairs

1999

Il-Winter Storm 1/1/99

$908 to the Village of Stewardson for repairs

Shelby County has had 8 natural disasters declared since 1953, most often tornadoes and winter 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. Stewardson 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 Stewardson’s own flood-insurance community; household aid to the registrant’s city; repair grants to the Village of Stewardson. 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.