On FEMA’s figures, Stookey Township faces about as much hazard damage per building as the typical U.S. town, led by river and rain flooding
On FEMA’s National Risk Index, Stookey Township gets a C+ for hazard risk: higher expected damage per building than 58% of U.S. towns, #420 of 768 in Illinois. Most of that expected damage is river and rain flooding (47%), then earthquakes (36%). Flood insurance has paid 12 claims 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 Stookey 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
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 Stookey Township’s grade
River and rain flooding is 47% of the building damage FEMA expects in Stookey Township, and Stookey Township’s rate of river and rain flooding damage is lower than 65% of U.S. census tracts. Next is earthquakes at 36% (higher than 85% of U.S. census tracts).
C+ #420 of 768 in Illinois; higher expected damage per building than 58% of U.S. towns (21,298).
Stookey Township’s residents live in 7 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, Stookey Township has more expected damage per building than 55% of Illinois towns.
In dollars, FEMA expects about $4.5M a year in losses across Stookey Township: $2.4M to buildings, the rest to people and crops.
Does Stookey Township flood? Sometimes: 12 flood claims since 1979
Every paid claim on a federal flood insurance policy in Stookey Township, from FEMA’s records: 3.0 per 1,000 homes, fewer than 52% of the 13,809 U.S. towns with a flood insurance record.
- The Late July Flooding1 claim · $38K
Stookey 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 Stookey Township remembers
None of the 16 disasters declared for St. Clair County shows FEMA aid or repair money reaching Stookey Township itself in FEMA’s records, so these are its biggest flood-claim years.
- 19793 flood claims paidThe year of Severe Storms and Flooding, declared for St. Clair County
- 19821 flood claims paidNo declaration for the county that year
- 19831 flood claims paidThe year of Severe Storms, Tornadoes and Flooding, declared for St. Clair County
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 Stookey Township after a storm or flood belong in the town’s history. Add one, or share what you remember below.
Add to the Stookey Township archive →Stookey Township and its neighbors
Stookey Township has the lowest expected damage per building of the 9 graded towns here. 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 |
| St. Clair Township | C−more damage than 76% | river and rain flooding | 38 |
| Belleville | C−more damage than 81% | river and rain flooding | 38 |
| Centreville Township | Dmore damage than 88% | river and rain flooding | 113 |
| Canteen Township | Dmore damage than 88% | river and rain flooding | 69 |
| Cahokia Heights | Dmore damage than 88% | river and rain flooding | 83 |
| Sugar Loaf Township | Dmore damage than 89% | river and rain flooding | 2 |
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 Stookey 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.
- 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 Stookey Township
Is Stookey Township at risk for natural disasters?
On FEMA’s National Risk Index, Stookey Township has higher expected damage per building than 58% of U.S. towns: C+ for hazard risk, #420 of 768 in Illinois. Most of the expected damage is river and rain flooding (47%) and earthquakes (36%). This is FEMA’s model of an average year for today’s buildings, not a forecast.
Does Stookey Township flood?
Flood insurance has paid 12 claims in Stookey Township since 1979, $101K in all, or 3.0 per 1,000 homes, fewer than 52% of U.S. towns with a flood insurance record. The most claims came from Late July Flooding (1).
Is Stookey 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 Stookey Township?
FEMA’s Community Rating System list shows no discount for Stookey Township’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 Stookey Township?
By flood claims, Late July Flooding: 1 paid, $38K.
Is Stookey Township at risk from river and rain flooding?
It is the largest share of the building damage FEMA expects here (47%), and Stookey Township’s rate for it is lower than 65% of U.S. census tracts.
Storm stories
Memories, warnings and help from neighbors in Stookey Township.
Sources: FEMA National Risk Index v1.20 (December 2025), census-tract table, combined by where Stookey 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.