Natural hazards · Sugar Loaf

Sugar Loaf, IL natural hazards

Most of the natural-hazard damage FEMA expects in Sugar Loaf comes from inland flooding, and overall the risk is very high for a U.S. community. Flood insurance has paid 2 claims here since 2024.

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

Expected damage

How exposed is Sugar Loaf?

Very high

vs. U.S. communities

FEMA expects yearly storm and flood damage to homes and buildings in Sugar Loaf to be higher than in 83% of U.S. communities, mostly from inland flooding and earthquakes.

Inland flooding53%Earthquakes17%Heat waves9%Cold waves9%Tornadoes7%Everything else5%

By hazard

What Sugar Loaf faces

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

Inland flooding

53% of expected damage

Well above average · higher than 92% of U.S. places

Recorded about 2 times a year in the area

Earthquakes

17% of expected damage

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

Heat waves

9% of expected damage

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

Recorded about 15 times a year in the area

Cold waves

9% of expected damage

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

Recorded about once a year in the area

Tornadoes

7% of expected damage

Well above average · higher than 78% of U.S. places

Recorded about once every 72 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 Sugar Loaf flood?

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

2paid claims since 2024

$66Kpaid to owners

0homes flooded more than once

20242026

of all homes
are insured

No community discount. Sugar Loaf 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 Sugar Loaf

Federal disasters declared here

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

Brought FEMA money into Sugar LoafDeclared for St. Clair County only

St. Clair County has had 17 natural disasters declared since 1953, most often floods and severe storms.

Around Sugar Loaf

Sugar Loaf and the towns around it

Very lowLowModerateHighVery high

Dupomostly inland floodingVery high

Sugar Loafmostly inland floodingVery high

Centrevillemostly inland floodingVery high

Cahokia Heightsmostly inland floodingVery high

St. Louismostly heat wavesHigh

Lemaymostly heat wavesHigh

Millstadtmostly inland floodingHigh

Stookeymostly earthquakesModerate

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. Sugar Loaf covers 2 census tracts, combined by population.

Money that reached townFlood claims are matched to Sugar Loaf’s own flood-insurance community (here, the census tracts inside it); household aid to the registrant’s city; repair grants to the Township of Sugar Loaf. 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 Sugar Loaf total about $4.6M 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.