Natural Disaster Risk in Mascoutah
Illinois
Risk Summary for Mascoutah
Mascoutah scores 7.4/10 (High risk), above the U.S. average of 4.5. The leading hazard is Earthquake.
Top Hazards
All 18 Hazard Scores
How it compares
Live Conditions
🏠 What this means for insurance
Above-average risk — check your policy limits
Standard homeowners insurance may not fully cover all hazards rated highly in this area. Verify that your policy includes adequate coverage for the top local hazards, and ask your insurer about specific endorsements or separate policies (e.g., flood, earthquake).
This is general information only. Consult a licensed insurance professional for advice specific to your property.
Natural Hazard Profile: Mascoutah, Illinois
Located in the interior eastern United States in St. Clair County, Mascoutah is a city of approximately 10,437 residents. The humid continental climate that characterizes this part of Illinois — marked by bitterly cold winters and hot, humid summers — directly influences the types and severity of natural hazards present, making Mascoutah a community where hazard awareness has real practical value.
FEMA rates Mascoutah's composite natural disaster risk at 7.4 out of 10 — high risk. Seismic activity is the dominant hazard, with the community situated in or near an active tectonic zone capable of producing damaging ground shaking. Residents should also account for hail and heat risk in their preparedness planning.
Relative to other U.S. communities, Mascoutah's natural disaster risk is well above the U.S. national average of 4.5/10, considerably above the 5.8/10 state average. The hazard distribution here is led by earthquake and hail, as measured by FEMA across St. Clair County. While city-specific sub-county variation exists, these scores represent the best available federal risk estimate.
Mascoutah's high risk designation reflects meaningful exposure to natural hazards. Residents should verify that their insurance covers the area's primary risks, prepare a family emergency plan, and stay informed about seasonal hazard peaks through local weather and emergency management services.
What this means for Mascoutah: Earthquake preparedness
- Secure heavy furniture, water heaters, and shelving to wall studs to reduce injury and damage during shaking.
- Identify "drop, cover, and hold on" spots in each room and keep an emergency kit with water for at least 72 hours.
- Standard homeowners insurance excludes earthquake damage — a separate earthquake policy or endorsement is needed.
Local Factors for Mascoutah
These city-level factors differentiate Mascoutah from other communities in St. Clair County and provide geographic context for its hazard exposure.
Population
10,437
SuburbanGeographic Zone
Inland
Reduced coastal hazard exposure
Climate Band
Moderate Continental
Latitude 38.5°
Flood Terrain
Minimal — county topography limits flood risk
Flood score: 1.0/10
Wildfire Exposure
Lower — moist climate limits wildfire frequency
Fire score: 2.6/10
Coordinates
38.4601° N, 89.7729° W
St. Clair County
Population and coordinates from SimpleMaps US Cities data. Hazard scores from FEMA National Risk Index. Geographic classification derived from coordinates.
Recent Climate Data for Mascoutah
Last 12 months · Source: Open-Meteo archive
Notable Weather Days (last 12 months)
ZIP Codes in Mascoutah
Other cities in Illinois
Data source: FEMA National Risk Index (NRI). Scores normalized to 1–10 across all US counties. City scores inherit county-level FEMA data. For informational purposes only.