Photo: MattHucke · CC BY-SA 3.0FEMA expects more hazard damage per building in Millstadt than in 68% of U.S. towns, mostly from river and rain flooding
On FEMA’s National Risk Index, Millstadt gets a C for hazard risk: higher expected damage per building than 68% of U.S. towns, #528 of 768 in Illinois. Most of that expected damage is river and rain flooding (54%), then earthquakes (30%). Flood insurance has paid 1 claim here since 1979.
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 Millstadt 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 Millstadt’s grade
River and rain flooding is 54% of the building damage FEMA expects in Millstadt, and Millstadt’s rate of river and rain flooding damage is higher than 55% of U.S. census tracts. Next is earthquakes at 30% (higher than 85% of U.S. census tracts).
C #528 of 768 in Illinois; higher expected damage per building than 68% of U.S. towns (21,298).
All of Millstadt’s residents live in one census tract; the figures are that tract’s.
The typical Illinois town has higher expected damage than 54% of U.S. towns; within the state, Millstadt has more expected damage per building than 69% of Illinois towns.
In dollars, FEMA expects about $2.5M a year in losses across Millstadt: $1.5M to buildings, the rest to people and crops.
Does Millstadt flood? Rarely: 1 flood claim since 1979
Every paid claim on a federal flood insurance policy in Millstadt, from FEMA’s records: 0.6 per 1,000 homes, fewer than 87% of the 13,809 U.S. towns with a flood insurance record.
Millstadt 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 Millstadt
Disasters that paid out in Millstadt itself (aid to households or repair grants to the Village of Millstadt), newest first, with that year’s flood claims.
- 2024Severe Storms, Tornadoes, Straight-line Winds, and Floodng69 households applied for aid$257K aid approved
- 2022Severe Storm and Flooding17 households applied for aid$12K aid approved
- 2006Severe Winter Storm$14K to the Village of Millstadt 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 Millstadt after a storm or flood belong in the town’s history. Add one, or share what you remember below.
Add to the Millstadt archive →Millstadt and its neighbors
Millstadt 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 |
|---|---|---|---|
| Stookey Township | C+more damage than 58% | river and rain flooding | 12 |
| Millstadt Township | Cmore damage than 68% | river and rain flooding | 3 |
| Millstadt | Cmore damage than 68% | river and rain flooding | 1 |
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 Millstadt 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 Millstadt
Is Millstadt at risk for natural disasters?
On FEMA’s National Risk Index, Millstadt has higher expected damage per building than 68% of U.S. towns: C for hazard risk, #528 of 768 in Illinois. Most of the expected damage is river and rain flooding (54%) and earthquakes (30%). The figures are for the one census tract the town shares with its neighbors. This is FEMA’s model of an average year for today’s buildings, not a forecast.
Does Millstadt flood?
Flood insurance has paid 1 claim in Millstadt since 1979, $332 in all, or 0.6 per 1,000 homes, fewer than 87% of U.S. towns with a flood insurance record.
Is Millstadt 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 Millstadt?
FEMA’s Community Rating System list shows no discount for Millstadt’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 Millstadt?
By FEMA money that reached Millstadt, Severe Storms, Tornadoes, Straight-line Winds, and Floodng (2024): 69 households applied for aid, $257K approved.
Is Millstadt at risk from river and rain flooding?
It is the largest share of the building damage FEMA expects here (54%), and Millstadt’s rate for it is higher than 55% of U.S. census tracts.
Storm stories
Memories, warnings and help from neighbors in Millstadt.
Sources: FEMA National Risk Index v1.20 (December 2025), census-tract table, combined by where Millstadt’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.