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CHazard risk
Natural hazards in Shiloh · FEMA

FEMA puts Shiloh’s expected hazard damage per building above that of 74% of U.S. towns, mostly from river and rain flooding

On FEMA’s National Risk Index, Shiloh 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 (15%). Flood insurance has paid 2 claims here since 2017.

River and rain flooding 72%Earthquakes 15%Tornadoes 7%

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

more than 74%of U.S. townsLess damageMoreExpected yearly damage per dollar of building, vs. the 21,298 U.S. towns we grade#581 of 768 in Illinois
Hazard risk
C#581 of 768
in Illinois · higher than 74% of U.S. towns
Main hazard
River and rain flooding
72% of expected building damage
Flood claims
2
paid since 2017 · $8K
Disasters paid out here
3
of 16 declared for St. Clair County
By hazard

What Shiloh 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

72%of expected building damage
Above average · higher than 76% of U.S. census tracts
Recorded about 2 times a year in the area

Earthquakes

15%of expected building damage
Well above average · higher than 82% of U.S. census tracts

Tornadoes

7%of expected building damage
Above average · higher than 78% of U.S. census tracts
Smaller shares here
 Hail Ice storms Winter storms Strong wind Lightning Hurricanes Wildfire Cold waves Heat waves Landslides
FEMA models no building damage here
Coastal floodingAvalanchesTsunamisVolcanic activity
People, not buildings.Counting harm to people as well as buildings, FEMA’s model puts heat waves at 9% of Shiloh’s expected losses. Heat waves do little damage to buildings (0.0%), so they aren’t part of the grade.

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.

Flood risk changes street by street. Check a specific address on FEMA’s flood map, and ask about flood insurance before you buy.
Hazard risk grade

What’s behind Shiloh’s grade

River and rain flooding is 72% of the building damage FEMA expects in Shiloh, and Shiloh’s rate of river and rain flooding damage is higher than 76% of U.S. census tracts. Next is earthquakes at 15% (higher than 82% of U.S. census tracts).

Where Shiloh sits
Shiloh
Least damageMiddleMost damage

C #581 of 768 in Illinois; higher expected damage per building than 74% of U.S. towns (21,298).

Shiloh’s residents live in 8 census tracts; FEMA’s figures are combined by where they live.

What drives the damage to buildings
River and rain flooding72%Earthquakes15%Tornadoes7%Everything else6%

The typical Illinois town has higher expected damage than 54% of U.S. towns; within the state, Shiloh has more expected damage per building than 76% of Illinois towns.

In dollars, FEMA expects about $9.4M a year in losses across Shiloh: $6.9M to buildings, the rest to people and crops.

A firm figure. It combines 8 census tracts by where Shiloh’s residents live. FEMA’s model is an average year for today’s buildings, not a record: the claims and disasters below are the record.

How TownRatings grades hazard risk →

Flood insurance claims

Does Shiloh flood? Rarely: 2 flood claims since 2017

Every paid claim on a federal flood insurance policy in Shiloh, from FEMA’s records: 0.3 per 1,000 homes, fewer than 94% of the 13,809 U.S. towns with a flood insurance record.

Paid flood claims, by year
2017: 1 claim2018: 1 claim2019: 0 claims2020: 0 claims2021: 0 claims2022: 0 claims2023: 0 claims2024: 0 claims2025: 0 claims2026: 0 claims20172018
20172026
2
paid claims since 2017
$8K
paid to owners
0
homes flooded more than once
$4K
average claim
of all homes are insured
No community discount

Shiloh 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.
Disasters

3 federal disasters brought FEMA money to Shiloh

Disasters that paid out in Shiloh itself (aid to households or repair grants to the Village of Shiloh), newest first, with that year’s flood claims.

  1. 2024Severe Storms, Tornadoes, Straight-line Winds, and Floodng21 households applied for aid$30K aid approved
  2. 2022Severe Storm and Flooding17 households applied for aid$21K aid approved
  3. 2006Severe Winter Storm$47K to the Village of Shiloh for repairs
Disasters declared, by decade
Paid out in ShilohSt. Clair County only

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.

Were you here?

Old photos of Shiloh after a storm or flood belong in the town’s history. Add one, or share what you remember below.

Add to the Shiloh archive →
Next door

Shiloh and its neighbors

Shiloh is 5th of the 9 graded towns here, from least expected damage per building to most. Tap a town to see its hazards.

O'Fallon: hazard risk C+Scott AFB: hazard risk C−Swansea: hazard risk CSt. Clair Township: hazard risk C−Belleville: hazard risk C−Shiloh Valley Township: hazard risk CCaseyville Township: hazard risk CO'Fallon Township: hazard risk C+O'FallonScott AFBSwanseaSt. Clair TownshipBellevilleShiloh Valley TownshipCaseyville TownshipO'Fallon TownshipShiloh
Lowest fifthSecondMiddleFourthHighest fifth
TownHazard riskMostly (buildings)Flood claims
O'FallonC+more damage than 63%river and rain flooding12
O'Fallon TownshipC+more damage than 64%river and rain flooding10
Caseyville TownshipCmore damage than 67%river and rain flooding51
Shiloh Valley TownshipCmore damage than 74%river and rain flooding1
ShilohCmore damage than 74%river and rain flooding2
SwanseaCmore damage than 75%river and rain flooding17
St. Clair TownshipC−more damage than 76%river and rain flooding38
Scott AFBC−more damage than 80%river and rain flooding1
BellevilleC−more damage than 81%river and rain flooding38

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.

Be ready

Get ready for what Shiloh faces

A short kit for the hazards that drive the building damage here, what to check before you buy, and where neighbors get alerts.

When the river rises
  • 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.
More from Ready.gov ↗
Earthquakes
  • Drop, cover and hold on.
  • Strap tall furniture and the water heater to the wall.
  • Know how to shut off the gas.
More from Ready.gov ↗
Tornado warnings
  • 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.
More from Ready.gov ↗
Before you buy or rent
  • 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.
When a storm is coming
Forecast and alertsWeather →911, the nearest ERSafety →

Know where neighbors sign up for alerts? Add it to the Handbook so everyone has it.

Questions about natural hazards in Shiloh

Is Shiloh at risk for natural disasters?

On FEMA’s National Risk Index, Shiloh 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 (15%). This is FEMA’s model of an average year for today’s buildings, not a forecast.

Does Shiloh flood?

Flood insurance has paid 2 claims in Shiloh since 2017, $8K in all, or 0.3 per 1,000 homes, fewer than 94% of U.S. towns with a flood insurance record.

Is Shiloh 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?

FEMA’s Community Rating System list shows no discount for Shiloh’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 Shiloh?

By FEMA money that reached Shiloh, Severe Winter Storm (2006): $47K to the Village of Shiloh for repairs.

Is Shiloh at risk from river and rain flooding?

It is the largest share of the building damage FEMA expects here (72%), and Shiloh’s rate for it is higher than 76% of U.S. census tracts.

Storm stories

Memories, warnings and help from neighbors in Shiloh.

Town Square →
Start the conversation

Sources: FEMA National Risk Index v1.20 (December 2025), census-tract table, combined by where Shiloh’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.