More hazard damage per building is expected in Dupo than in 91% of U.S. towns, mostly from river and rain flooding
On FEMA’s National Risk Index, Dupo gets a D for hazard risk: higher expected damage per building than 91% of U.S. towns, #747 of 768 in Illinois. Most of that expected damage is river and rain flooding (78%), then earthquakes (13%). Flood insurance has paid 115 claims here since 1993.
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 stands out about Dupo’s natural hazards
From FEMA’s model and FEMA’s records, below.
What Dupo 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
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 Dupo’s grade
River and rain flooding is 78% of the building damage FEMA expects in Dupo, and Dupo’s rate of river and rain flooding damage is in the top 6% of U.S. census tracts. Next is earthquakes at 13% (higher than 83% of U.S. census tracts).
D #747 of 768 in Illinois; higher expected damage per building than 91% of U.S. towns (21,298).
Dupo’s residents live in 3 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, Dupo has more expected damage per building than 97% of Illinois towns.
In dollars, FEMA expects about $2.5M a year in losses across Dupo: $1.7M to buildings, the rest to people and crops.
Does Dupo flood? Yes: 115 flood claims since 1993
Every paid claim on a federal flood insurance policy in Dupo, from FEMA’s records: 66.1 per 1,000 homes, more than 94% of the 13,809 U.S. towns with a flood insurance record.
- The Midwest Flooding100 claims · $41K
- Hurricane Ike1 claim · $11K
Dupo 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.3 federal disasters brought FEMA money to Dupo
Disasters that paid out in Dupo itself (aid to households or repair grants to the Village of Dupo), newest first, with that year’s flood claims.
- 2024Severe Storms, Tornadoes, Straight-line Winds, and Floodng50 households applied for aid$160K aid approved1 flood claim paid that year
- 2022Severe Storm and Flooding10 households applied for aid$39K aid approved
- 2006Severe Winter Storm$17K to the Village of Dupo for repairs
St. Clair County has had 16 natural disasters declared by the President since 1953, most often floods, then severe storms. Not counted: the 2005 Hurricane Katrina evacuee emergency, which covered counties that took in evacuees.
Old photos of Dupo after a storm or flood belong in the town’s history. Add one, or share what you remember below.
Add to the Dupo archive →Dupo and its neighbors
Dupo is 3rd of the 3 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 |
|---|---|---|---|
| Columbia | C+more damage than 61% | river and rain flooding | 5 |
| Sugar Loaf Township | Dmore damage than 89% | river and rain flooding | 2 |
| Dupo | Dmore damage than 91% | river and rain flooding | 115 |
| East Carondelet | — | 233 residents; we grade 1,000+ | |
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 Dupo 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.
- 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 Dupo
Is Dupo at risk for natural disasters?
On FEMA’s National Risk Index, Dupo has higher expected damage per building than 91% of U.S. towns: D for hazard risk, #747 of 768 in Illinois. Most of the expected damage is river and rain flooding (78%) and earthquakes (13%). This is FEMA’s model of an average year for today’s buildings, not a forecast.
Does Dupo flood?
Flood insurance has paid 115 claims in Dupo since 1993, $141K in all, or 66.1 per 1,000 homes, more than 94% of U.S. towns with a flood insurance record. 1 properties have flooded more than once. The most claims came from Midwest Flooding (100).
Is Dupo 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 St. Clair County, 1.0% of all homes carry federal flood insurance.
How much is flood insurance in Dupo?
FEMA’s Community Rating System list shows no discount for Dupo’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 Dupo?
By FEMA money that reached Dupo, Severe Storms, Tornadoes, Straight-line Winds, and Floodng (2024): 50 households applied for aid, $160K approved. By flood claims, Midwest Flooding: 100 paid, $41K.
Is Dupo at risk from river and rain flooding?
It is the largest share of the building damage FEMA expects here (78%), and Dupo’s rate for it is in the top 6% of U.S. census tracts.
Storm stories
Memories, warnings and help from neighbors in Dupo.
Sources: FEMA National Risk Index v1.20 (December 2025), census-tract table, combined by where Dupo’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.