Property Atlas

County hazard profile

St. Clair, IL

Illinois · pop. 257,200 · FIPS 17163

Relatively High
FEMA risk rating · RATING
Heat Wave
dominant hazard
$175M
modeled expected annual loss/yr

Expected annual loss · all 3,232 U.S. counties

near the national middle (54th percentile)

national median $15M/yr St. Clair $175M

A real dollar distribution: most counties sit far below a handful of high-exposure ones. A FEMA model of annual loss, not a record of disasters.

FEMA national percentile scores

FEMA/CDC score each county 0–100 against all others — the score is the national rank (RATING). Higher risk and vulnerability are worse; higher resilience is better.

FEMA risk indexRelatively High 94.91/100
national median ~50 among the highest nationally
Social vulnerabilityRelatively Low 37.85/100
national median ~50 lower than most counties (38th percentile)
Community resilienceRelatively High 74.94/100
national median ~50 higher than 75% of counties

Recorded · NFIP flood claims RECORDED

Realized flood losses in St. Clair

The National Flood Insurance Program has paid 1,467 flood-insurance claims totaling $7.8M in St. Clair since 1978. The costliest year was 2022 ($1.7M paid).

Flood-insurance dollars paid by year of loss

1978: $14,361 paid 1979: $148,027 paid 1980: $1,265 paid 1981: $3,954 paid 1982: $34,740 paid 1983: $15,401 paid 1984: $0 paid 1985: $0 paid 1986: $133,089 paid 1987: $0 paid 1988: $2,669 paid 1989: $0 paid 1990: $27,252 paid 1993: $517,000 paid 1994: $26,981 paid 1995: $478,315 paid 1996: $1,081,749 paid 1997: $1,568 paid 1998: $76,146 paid 1999: $30,547 paid 2000: $249,537 paid 2001: $0 paid 2002: $22,262 paid 2003: $22,548 paid 2004: $28,152 paid 2005: $26,536 paid 2006: $7,216 paid 2007: $10,033 paid 2008: $240,086 paid 2009: $16,271 paid 2010: $67,406 paid 2011: $121,576 paid 2012: $6,760 paid 2013: $337,223 paid 2014: $10,737 paid 2015: $311,264 paid 2016: $79,861 paid 2017: $65,732 paid 2018: $57,584 paid 2019: $101,113 paid 2020: $54,340 paid 2021: $0 paid 2022: $1,727,700 paid 2023: $164,363 paid 2024: $1,323,190 paid 2025: $157,344 paid 2026: $4,072 paid 2022 · $1.7M 1978 2026
$7.8M
total paid
$5,321
average claim
$332K
largest single claim
46%
in high-risk flood zones (A/V)

RECORDED — these are actual paid NFIP claims (a redacted census from OpenFEMA), not a model. They are the realized counterpart to the FEMA risk score above: one is what happened and got paid, the other is what a model predicts.

Scope: these are flood-insurance claims, so they undercount flooding where owners were uninsured — read this as "what NFIP paid here," not "every flood." County-level totals, not a per-property or per-address verdict. Verify a specific address and buy coverage at FloodSmart.gov; the underlying data is OpenFEMA NFIP Redacted Claims.

What these figures mean

  • RATING — the FEMA risk score, expected loss, social vulnerability, and resilience are FEMA/CDC models, not records of disasters that happened. The 0–100 scores are already national percentiles.
  • MEASURED — population is a recorded census figure.
  • COMPUTED — the county's rank within the dollar-loss distribution is our placement over the 3,232 counties.
  • CONTEXT — the note below is framing, not a measurement.

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What this is — and is not

This is FEMA/CDC modeled hazard exposure for St. Clair, IL and where it ranks among U.S. counties. It is not a verdict on whether St. Clair is a good or bad place to live — hazard exposure is not place quality, and a county can't opt out of its geography. It is not a per-property or per-address risk assessment, not a prediction of any specific disaster, and not insurance advice. For site-specific risk use a per-property assessment; for the underlying model see FEMA National Risk Index.