Photo: Nyttend · Public domainFEMA expects more hazard damage per building in Shiloh Valley Township than in 74% of U.S. towns, mostly from river and rain flooding
On FEMA’s National Risk Index, Shiloh Valley Township gets a C for hazard risk: higher expected damage per building than 74% of U.S. towns, #581 of 768 in Illinois. Most of that expected damage is river and rain flooding (72%), then earthquakes (16%). Flood insurance has paid 1 claim here since 2020.
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 Shiloh Valley Township 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.
What’s behind Shiloh Valley Township’s grade
River and rain flooding is 72% of the building damage FEMA expects in Shiloh Valley Township, and Shiloh Valley Township’s rate of river and rain flooding damage is higher than 75% of U.S. census tracts. Next is earthquakes at 16% (higher than 82% of U.S. census tracts).
C #581 of 768 in Illinois; higher expected damage per building than 74% of U.S. towns (21,298).
Shiloh Valley Township’s residents live in 5 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, Shiloh Valley Township has more expected damage per building than 76% of Illinois towns.
In dollars, FEMA expects about $22.7M a year in losses across Shiloh Valley Township: $20.5M to buildings, the rest to people and crops.
Does Shiloh Valley Township flood? Rarely: 1 flood claim since 2020
Every paid claim on a federal flood insurance policy in Shiloh Valley Township, from FEMA’s records: 0.2 per 1,000 homes, fewer than 97% of the 13,809 U.S. towns with a flood insurance record.
Shiloh Valley Township 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.The storms Shiloh Valley Township remembers
None of the 16 disasters declared for St. Clair County shows FEMA aid or repair money reaching Shiloh Valley Township itself in FEMA’s records, so these are its biggest flood-claim years.
- 20201 flood claims paidNo declaration for the county that year
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 Shiloh Valley Township after a storm or flood belong in the town’s history. Add one, or share what you remember below.
Add to the Shiloh Valley Township archive →Shiloh Valley Township and its neighbors
Shiloh Valley Township is 5th of the 9 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 |
|---|---|---|---|
| O'Fallon | C+more damage than 63% | river and rain flooding | 12 |
| O'Fallon Township | C+more damage than 64% | river and rain flooding | 10 |
| Freeburg | Cmore damage than 70% | river and rain flooding | 2 |
| Shiloh | Cmore damage than 74% | river and rain flooding | 2 |
| Shiloh Valley Township | Cmore damage than 74% | river and rain flooding | 1 |
| St. Clair Township | C−more damage than 76% | river and rain flooding | 38 |
| Mascoutah | C−more damage than 80% | river and rain flooding | 5 |
| Scott AFB | C−more damage than 80% | river and rain flooding | 1 |
| Belleville | C−more damage than 81% | river and rain flooding | 38 |
| Mascoutah Township | — | not graded yet | |
| Freeburg 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 Shiloh Valley Township 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 Shiloh Valley Township
Is Shiloh Valley Township at risk for natural disasters?
On FEMA’s National Risk Index, Shiloh Valley Township has higher expected damage per building than 74% of U.S. towns: C for hazard risk, #581 of 768 in Illinois. Most of the expected damage is river and rain flooding (72%) and earthquakes (16%). This is FEMA’s model of an average year for today’s buildings, not a forecast.
Does Shiloh Valley Township flood?
Flood insurance has paid 1 claim in Shiloh Valley Township since 2020, $8K in all, or 0.2 per 1,000 homes, fewer than 97% of U.S. towns with a flood insurance record.
Is Shiloh Valley Township 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 Shiloh Valley Township?
FEMA’s Community Rating System list shows no discount for Shiloh Valley Township’s flood program. Premiums depend on the building; policies usually start 30 days after you buy, so get a quote early.
Is Shiloh Valley Township at risk from river and rain flooding?
It is the largest share of the building damage FEMA expects here (72%), and Shiloh Valley Township’s rate for it is higher than 75% of U.S. census tracts.
Storm stories
Memories, warnings and help from neighbors in Shiloh Valley Township.
Sources: FEMA National Risk Index v1.20 (December 2025), census-tract table, combined by where Shiloh Valley Township’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.