Storms, floods and disasters in Sauget
Sauget isn’t graded for hazard risk: Sauget has 307 residents; we grade towns of 1,000 or more. Flood insurance has paid 3 claims here since 1986.
What Sauget 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
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.
Does Sauget flood? Rarely: 3 flood claims since 1986
Every paid claim on a federal flood insurance policy in Sauget, from FEMA’s records.
- The Late July Flooding1 claim · $332K
- The Midwest Flooding1 claim · $11K
Sauget 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.2 federal disasters brought FEMA money to Sauget
Disasters that paid out in Sauget itself (aid to households or repair grants to the Village of Sauget), newest first, with that year’s flood claims.
- 2024Severe Storms, Tornadoes, Straight-line Winds, and Floodng1 households applied for aid$17K aid approved
- 2019Severe Storms and Flooding$114K to the Village of Sauget 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 Sauget after a storm or flood belong in the town’s history. Add one, or share what you remember below.
Add to the Sauget archive →Sauget and its neighbors
How expected damage per building compares across the town line. Tap a town to see its hazards.
| Town | Hazard risk | Mostly (buildings) | Flood claims |
|---|---|---|---|
| St. Louis | C−more damage than 85% | river and rain flooding | 494 |
| Centreville Township | Dmore damage than 88% | river and rain flooding | 113 |
| Cahokia Heights | Dmore damage than 88% | river and rain flooding | 83 |
| East St. Louis | Dmore damage than 91% | river and rain flooding | 388 |
| East St. Louis Township | — | not graded yet | |
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 Sauget 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.
- 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 Sauget
Does Sauget flood?
Flood insurance has paid 3 claims in Sauget since 1986, $446K in all. The most claims came from Late July Flooding (1).
Is Sauget 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 Sauget?
FEMA’s Community Rating System list shows no discount for Sauget’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 Sauget?
By FEMA money that reached Sauget, Severe Storms and Flooding (2019): $114K to the Village of Sauget for repairs. By flood claims, Late July Flooding: 1 paid, $332K.
Storm stories
Memories, warnings and help from neighbors in Sauget.
Sources: FEMA National Risk Index v1.20 (December 2025), census-tract table, combined by where Sauget’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.