Photo: Paul Sableman · CC BY 2.0FEMA expects about as much hazard damage per building in Collinsville as in the typical U.S. town, mostly from river and rain flooding
On FEMA’s National Risk Index, Collinsville gets a C+ for hazard risk: higher expected damage per building than 59% of U.S. towns, #425 of 768 in Illinois. Most of that expected damage is river and rain flooding (54%), then earthquakes (27%). Flood insurance has paid 12 claims here since 1981.
Graded on FEMA’s expected yearly building damage per dollar of building value (NRI v1.20, December 2025), weighted by where residents live; flood claims are shown, not graded. How hazard risk is graded
What Collinsville faces
Each hazard’s share of the building damage FEMA expects here, and how its rate compares with the rest of the country.
River and rain flooding
Earthquakes
Tornadoes
Hail
Shares are of FEMA’s expected building damage, the measure the grade uses; ranks compare each hazard’s building-damage rate with all 85,154 U.S. census tracts. In FEMA’s terms, river and rain flooding is FEMA’s “Inland Flooding” (rivers and streams overflowing their banks, or rain overwhelming drainage). FEMA defines coastal flooding as high or rising tides and storm surge, so surge damage is counted there. Drought isn’t listed: FEMA counts its losses in crops only.
What’s behind Collinsville’s grade
River and rain flooding is 54% of the building damage FEMA expects in Collinsville, and Collinsville’s rate of river and rain flooding damage is lower than 54% of U.S. census tracts. Next is earthquakes at 27% (higher than 84% of U.S. census tracts).
C+ #425 of 768 in Illinois; higher expected damage per building than 59% of U.S. towns (21,298).
Collinsville’s residents live in 10 census tracts; FEMA’s figures are combined by where they live.
The typical Illinois town has higher expected damage than 54% of U.S. towns; within the state, Collinsville has more expected damage per building than 55% of Illinois towns.
In dollars, FEMA expects about $11.3M a year in losses across Collinsville: $5.7M to buildings, the rest to people and crops.
Does Collinsville flood? Sometimes: 12 flood claims since 1981
Every paid claim on a federal flood insurance policy in Collinsville, from FEMA’s records: 1.0 per 1,000 homes, fewer than 77% of the 13,809 U.S. towns with a flood insurance record.
- Hurricane Ike1 claim · $24K
Collinsville isn’t in FEMA’s Community Rating System, which cuts flood insurance up to 45% in towns that do extra flood-proofing.
Insurance rates: Madison County.3 federal disasters brought FEMA money to Collinsville
Disasters that paid out in Collinsville itself (aid to households or repair grants to the City of Collinsville), newest first, with that year’s flood claims.
- 2024Severe Storms, Tornadoes, Straight-line Winds, and Floodng21 households applied for aid$49K aid approved
- 2022Severe Storm and Flooding18 households applied for aid$34K aid approved
- 2006Severe Winter Storm$242K to the City of Collinsville for repairs
Madison County has had 13 natural disasters declared by the President since 1953, most often severe storms, then floods. Not counted: the 2005 Hurricane Katrina evacuee emergency, which covered counties that took in evacuees.
Old photos of Collinsville after a storm or flood belong in the town’s history. Add one, or share what you remember below.
Add to the Collinsville archive →Collinsville and its neighbors
Collinsville is 2nd of the 5 graded towns here, from least expected damage per building to most. Tap a town to see its hazards.
| Town | Hazard risk | Mostly (buildings) | Flood claims |
|---|---|---|---|
| Maryville | B−less damage than 54% | river and rain flooding | 5 |
| Collinsville | C+more damage than 59% | river and rain flooding | 12 |
| Caseyville | Dmore damage than 86% | river and rain flooding | 31 |
| Fairmont City | Dmore damage than 88% | river and rain flooding | 2 |
| Pontoon Beach | Dmore damage than 88% | river and rain flooding | 29 |
Hazard risk = FEMA’s expected yearly building damage per dollar of building value, vs. the 21,298 U.S. towns we grade; the map is shaded by fifths of the same scale. Flood claims = paid federal flood insurance claims on record.
Get ready for what Collinsville faces
A short kit for the hazards that drive the building damage here, what to check before you buy, and where neighbors get alerts.
- Turn around at flooded roads: a foot of moving water can carry off a car.
- Flood insurance usually takes 30 days to start, so buy it before the forecast.
- Keep papers and medicines up high, in a grab-and-go bag.
- Drop, cover and hold on.
- Strap tall furniture and the water heater to the wall.
- Know how to shut off the gas.
- Pick your spot now: the lowest floor, an inside room, no windows.
- A watch means be ready; a warning means take cover now.
- Keep shoes and a flashlight by the bed.
- Park in a garage or under cover when storms are forecast.
- Stay away from windows while it falls.
- Photograph roof and car damage for your insurer.
- Look up the address on FEMA’s flood map.
- Ask the seller or landlord whether it has ever flooded, and what flood insurance costs there.
- Get a flood insurance quote early: policies usually start 30 days after you buy.
Know where neighbors sign up for alerts? Add it to the Handbook so everyone has it.
Questions about natural hazards in Collinsville
Is Collinsville at risk for natural disasters?
On FEMA’s National Risk Index, Collinsville has higher expected damage per building than 59% of U.S. towns: C+ for hazard risk, #425 of 768 in Illinois. Most of the expected damage is river and rain flooding (54%) and earthquakes (27%). This is FEMA’s model of an average year for today’s buildings, not a forecast.
Does Collinsville flood?
Flood insurance has paid 12 claims in Collinsville since 1981, $101K in all, or 1.0 per 1,000 homes, fewer than 77% of U.S. towns with a flood insurance record. 1 properties have flooded more than once. The most claims came from Hurricane Ike (1).
Is Collinsville in a flood zone?
Flood zones are drawn street by street, so the answer depends on the address: look it up on FEMA’s flood map. In Madison County, 0.8% of all homes carry federal flood insurance.
How much is flood insurance in Collinsville?
FEMA’s Community Rating System list shows no discount for Collinsville’s flood program. Premiums depend on the building; policies usually start 30 days after you buy, so get a quote early.
What was the biggest storm in Collinsville?
By FEMA money that reached Collinsville, Severe Winter Storm (2006): $242K to the City of Collinsville for repairs. By flood claims, Hurricane Ike: 1 paid, $24K.
Is Collinsville at risk from river and rain flooding?
It is the largest share of the building damage FEMA expects here (54%), and Collinsville’s rate for it is lower than 54% of U.S. census tracts.
Storm stories
Memories, warnings and help from neighbors in Collinsville.
Sources: FEMA National Risk Index v1.20 (December 2025), census-tract table, combined by where Collinsville’s residents lived in the 2020 census; 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. Homes: Census ACS 2020–24. Preparedness tips: Ready.gov. FEMA’s model is an average of expected damage, not a forecast. How hazard risk is graded.