Flood risk in Illinois
FEMA NFIP historical claims and active policies aggregated by county. Pick a county to see total paid, average claim amount, and active policy count.
Counties with claims
89
of 98 reporting
Total NFIP claims
7,049
Total claims paid
$108,620,721
Active policies
4,607
Highest flood risk counties
Claims per 1,000 housing units. Higher means a larger share of homes have a documented claim on file.
- 1.Calhoun County112.86 / 1k
- 2.Alexander County42.85 / 1k
- 3.Henderson County22.59 / 1k
- 4.Iroquois County17.74 / 1k
- 5.Jersey County14.87 / 1k
- 6.Massac County7.76 / 1k
- 7.Mason County7.08 / 1k
- 8.Jo Daviess County5.56 / 1k
- 9.Gallatin County5.10 / 1k
- 10.Rock Island County4.15 / 1k
Lowest flood risk counties
Claims per 1,000 housing units, restricted to counties of at least 25,000 residents.
- 1.Effingham County0.00 / 1k
- 2.Macoupin County0.06 / 1k
- 3.Macon County0.12 / 1k
- 4.Champaign County0.16 / 1k
- 5.McDonough County0.17 / 1k
- 6.Montgomery County0.18 / 1k
- 7.Logan County0.18 / 1k
- 8.Marion County0.20 / 1k
- 9.Kendall County0.23 / 1k
- 10.McLean County0.26 / 1k
Counties by historical claims
Sorted by total claims, highest first. Historical totals do not capture uninsured properties or future climate shifts.
- Cook County2,971 claims · moderate
- DuPage County489 claims · moderate
- Lake County485 claims · moderate
- Rock Island County253 claims · moderate
- St. Clair County227 claims · moderate
- Iroquois County199 claims · high
- Peoria County184 claims · moderate
- Winnebago County172 claims · moderate
- Will County165 claims · low
- McHenry County159 claims · moderate
- Calhoun County136 claims · very-high
- Madison County121 claims · moderate
- Jersey County115 claims · high
- Kane County110 claims · low
- Kankakee County88 claims · moderate
- LaSalle County82 claims · moderate
- Alexander County74 claims · high
- Grundy County70 claims · moderate
- Henderson County62 claims · high
- Stephenson County59 claims · moderate
- Jo Daviess County56 claims · moderate
- Woodford County49 claims · moderate
- Massac County42 claims · moderate
- Mason County41 claims · moderate
- Adams County37 claims · moderate
- Whiteside County33 claims · moderate
- Sangamon County31 claims · low
- Ogle County31 claims · moderate
- Douglas County28 claims · moderate
- Henry County25 claims · moderate
- Carroll County25 claims · moderate
- Hancock County25 claims · moderate
- Jackson County19 claims · low
- Tazewell County19 claims · low
- DeKalb County19 claims · low
- McLean County18 claims · low
- Pike County18 claims · moderate
- Randolph County18 claims · moderate
- White County17 claims · moderate
- Vermilion County17 claims · low
- Bureau County16 claims · moderate
- Williamson County15 claims · low
- Champaign County13 claims · low
- Morgan County11 claims · low
- Gallatin County11 claims · moderate
- Kendall County10 claims · low
- Saline County10 claims · low
- Livingston County10 claims · low
- Marshall County10 claims · moderate
- Clinton County10 claims · low
- Boone County10 claims · low
- Fulton County8 claims · low
- Putnam County7 claims · moderate
- Lawrence County7 claims · moderate
- Monroe County7 claims · low
- Knox County6 claims · low
- Lee County6 claims · low
- Coles County6 claims · low
- Franklin County5 claims · low
- Macon County5 claims · low
- Jefferson County5 claims · low
- Union County5 claims · low
- Warren County4 claims · low
- Christian County4 claims · low
- Piatt County4 claims · low
- Bond County4 claims · low
- Wayne County4 claims · low
- Cass County4 claims · low
- Schuyler County4 claims · moderate
- Brown County3 claims · moderate
- Menard County3 claims · low
- Pulaski County3 claims · moderate
- Marion County3 claims · low
- Crawford County3 claims · low
- Clark County2 claims · low
- Jasper County2 claims · low
- Greene County2 claims · low
- Logan County2 claims · low
- McDonough County2 claims · low
- Clay County2 claims · low
- Montgomery County2 claims · low
- Scott County2 claims · moderate
- Washington County2 claims · low
- Perry County1 claims · low
- Moultrie County1 claims · low
- Mercer County1 claims · low
- Macoupin County1 claims · low
- Johnson County1 claims · low
- Hardin County1 claims · low
- County0 claims · low
- Cumberland County0 claims · low
- De Witt County0 claims · low
- Edgar County0 claims · low
- Wabash County0 claims · low
- Effingham County0 claims · low
- Ford County0 claims · low
- Richland County0 claims · low
- Stark County0 claims · low
How to read this
Historical claims show where NFIP-insured properties have actually filed. They under-count uninsured properties and don't forecast future risk from climate, upstream development, or new mitigation projects. For parcel-specific flood-zone designations, use FEMA's Map Service Center.
Data sources
Disclaimer. HomeRule is not a real estate agent, lender, appraiser, or financial advisor. This content is for educational and informational purposes only. Actual costs vary significantly by property, location, and individual circumstances. Consult qualified professionals for personalized advice.