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Flood insurance cost · IL

Flood insurance cost in Illinois

What homeowners with a National Flood Insurance Program policy actually pay, from FEMA's records of 20,127 home policies in force on August 31, 2026.

IllinoisPolicies in force on Aug 31, 2026

Median annual cost of NFIP flood insurance for a home

$1,146a year

Half of insured homes paid between $776 and $1,530. That is 6% more than the national median ($1,082). Most insured homes here are rated in zone AE (55%).

$0$776 · $1,146 · $1,530$1,912
+10.7% vs Aug 31, 2025 (median $1,035)
20,127home policies in force
$1,313average cost (mean)
68%of insured homes in high-risk zones (A, V)
$200,000median building coverage

This is what policyholders paid, not a quote. Two neighbors can pay very different prices: NFIP prices depend on the building (elevation, foundation, number of floors, replacement cost), the coverage and deductible chosen and the distance to water (FEMA FloodSmart: premium factors). For a price for your building, ask an insurance agent. Private flood insurance is not included in these figures.

Cost by flood zone in Illinois

The flood zone on FEMA's map is one of the main price factors. Median and middle half of what insured homes paid, by the zone used to rate the policy.

Flood zoneMedianMiddle half (25th–75th percentile)AveragePoliciesvs last year
Zone VE / V
High risk, coastal		$621$457–$753$81217 (0%)+1.5%
Zone AE
High risk		$1,282$877–$1,857$1,51811,155 (55%)+6.3%
Zone A
High risk		$999$734–$1,496$1,2521,432 (7%)+3.4%
Zone AO
High risk, shallow		$1,027$589–$1,560$1,15957 (0%)+28.7%
Zone AH
High risk, shallow		$1,241$962–$1,623$1,339985 (5%)+4.7%
Zone X
Moderate to low risk		$956$642–$1,230$9736,475 (32%)+4.3%

Not shown (fewer than 10 home policies): A99/AR, D. Shares are of all insured homes; a few policies have no rated zone. "vs last year" compares medians with policies in force a year earlier.

Cost by type of building

All NFIP policies in force in Illinois, by what they insure.

Type of buildingPoliciesMedianAverage
Single-family home18,856$1,161$1,329
2–4 unit building510$1,263$1,523
Manufactured (mobile) home211$974$1,118
Condo or apartment unit550$554$666
Whole residential building (5+ units or condo association)
One policy covers the whole building, so the cost is much higher than for a single home.		729$3,251$5,306
Non-residential building or unit
Businesses, churches, farm buildings and other non-residential property.		2,204$2,694$3,934
23,060NFIP policies in force, any building
29,928insured units (condo association policies count every unit)
55%of home policies also cover contents
$97,000median contents coverage, when bought

One year on: Illinois

Policies in force on August 31, 2026 compared with a year earlier. Nationwide, practically all policies in both years carry FEMA's Risk Rating 2.0 occupancy codes, so both years use the same pricing system. The policies are not the same: some were new, some lapsed.

Aug 31, 2025Aug 31, 2026Change
Home policies in force21,11120,127−4.7%
Median annual cost$1,035$1,146+10.7%
Average annual cost$1,236$1,313+6.2%
All policies in force (any building)24,31123,060−5.1%

Flood claims history

Since 1978, NFIP policyholders in Illinois have filed 52,890 flood claims. 41,319 received a payment, for a total of $596.0 million (an average of $14,425 per paid claim). The year with the most claims was 2008 (5,357 claims). Amounts are in dollars of the time, not adjusted for inflation.

02k4k6k8k1978: 649 claims, 516 paid, $1,263,618 in total1979: 3,704 claims, 3,118 paid, $15,847,348 in total1980: 396 claims, 233 paid, $740,239 in total19801981: 1,397 claims, 1,147 paid, $4,209,822 in total1982: 4,101 claims, 3,308 paid, $15,019,378 in total19821983: 1,866 claims, 1,418 paid, $5,845,590 in total1984: 328 claims, 208 paid, $1,047,550 in total1985: 1,908 claims, 1,411 paid, $8,317,624 in total1986: 1,217 claims, 970 paid, $8,096,407 in total1987: 1,684 claims, 1,323 paid, $15,540,125 in total1988: 97 claims, 51 paid, $247,828 in total1989: 213 claims, 93 paid, $575,511 in total1990: 723 claims, 444 paid, $2,780,558 in total19901991: 158 claims, 89 paid, $520,910 in total1992: 56 claims, 14 paid, $79,377 in total1993: 4,083 claims, 3,306 paid, $67,449,984 in total1994: 441 claims, 283 paid, $2,935,014 in total1995: 726 claims, 524 paid, $4,511,040 in total1996: 2,621 claims, 1,970 paid, $23,726,306 in total1997: 1,329 claims, 1,011 paid, $7,563,782 in total1998: 295 claims, 185 paid, $958,041 in total1999: 337 claims, 188 paid, $1,531,376 in total2000: 343 claims, 189 paid, $1,842,833 in total20002001: 894 claims, 673 paid, $7,893,878 in total2002: 739 claims, 560 paid, $5,574,677 in total2003: 314 claims, 203 paid, $938,426 in total2004: 257 claims, 174 paid, $2,369,933 in total2005: 199 claims, 125 paid, $1,172,680 in total2006: 634 claims, 459 paid, $6,738,297 in total2007: 1,094 claims, 890 paid, $13,853,087 in total2008: 5,357 claims, 4,554 paid, $110,929,768 in total20082009: 582 claims, 454 paid, $5,843,888 in total2010: 2,100 claims, 1,755 paid, $28,336,412 in total20102011: 1,210 claims, 923 paid, $17,697,178 in total2012: 74 claims, 31 paid, $369,368 in total2013: 4,402 claims, 3,751 paid, $96,142,683 in total20132014: 668 claims, 450 paid, $5,983,676 in total2015: 992 claims, 746 paid, $12,345,515 in total2016: 215 claims, 149 paid, $1,891,124 in total2017: 988 claims, 748 paid, $19,107,229 in total2018: 628 claims, 525 paid, $15,524,230 in total2019: 1,051 claims, 891 paid, $25,324,766 in total2020: 633 claims, 478 paid, $10,208,083 in total20202021: 135 claims, 84 paid, $1,381,941 in total2022: 184 claims, 127 paid, $3,063,613 in total2023: 213 claims, 142 paid, $2,440,616 in total2024: 278 claims, 201 paid, $5,052,524 in total2025: 96 claims, 55 paid, $1,470,529 in total2026: 281 claims, 172 paid, $3,730,905 in total
Flood claims per year of loss, 1978–2026. Years with fewer than 10 claims are left blank. Hover a bar for details.
All years with at least 10 claims (49)

Swipe the table sideways to see all columns.

Year of lossClaimsPaid claimsTotal paidAverage per paid claim
2026281172$3,730,905$21,691
20259655$1,470,529$26,737
2024278201$5,052,524$25,137
2023213142$2,440,616$17,187
2022184127$3,063,613$24,123
202113584$1,381,941$16,452
2020633478$10,208,083$21,356
20191,051891$25,324,766$28,423
2018628525$15,524,230$29,570
2017988748$19,107,229$25,544
2016215149$1,891,124$12,692
2015992746$12,345,515$16,549
2014668450$5,983,676$13,297
20134,4023,751$96,142,683$25,631
20127431$369,368$11,915
20111,210923$17,697,178$19,174
20102,1001,755$28,336,412$16,146
2009582454$5,843,888$12,872
20085,3574,554$110,929,768$24,359
20071,094890$13,853,087$15,565
2006634459$6,738,297$14,680
2005199125$1,172,680$9,381
2004257174$2,369,933$13,620
2003314203$938,426$4,623
2002739560$5,574,677$9,955
2001894673$7,893,878$11,729
2000343189$1,842,833$9,750
1999337188$1,531,376$8,146
1998295185$958,041$5,179
19971,3291,011$7,563,782$7,481
19962,6211,970$23,726,306$12,044
1995726524$4,511,040$8,609
1994441283$2,935,014$10,371
19934,0833,306$67,449,984$20,402
19925614$79,377$5,670
199115889$520,910$5,853
1990723444$2,780,558$6,263
198921393$575,511$6,188
19889751$247,828$4,859
19871,6841,323$15,540,125$11,746
19861,217970$8,096,407$8,347
19851,9081,411$8,317,624$5,895
1984328208$1,047,550$5,036
19831,8661,418$5,845,590$4,122
19824,1013,308$15,019,378$4,540
19811,3971,147$4,209,822$3,670
1980396233$740,239$3,177
19793,7043,118$15,847,348$5,083
1978649516$1,263,618$2,449

From 2016 to 2026: 4,702 claims (counting only years with at least 10). 2026 is a partial year. Claims are counted where the insured property is; they include buildings and contents, homes and businesses.

Counties in Illinois

Counties with at least 100 NFIP home policies in force have their own page.

Other counties (fewer policies, no separate page)
CountyHome policiesMedian
Adams County72$1,041
Boone County62$900
Bureau County49$871
Calhoun County73$1,060
Carroll County13$1,125
Christian County17$1,096
Clinton County38$990
Coles County54$1,140
Crawford County20$890
De Witt County22$1,223
Douglas County91$1,555
Effingham County10$1,528
Franklin County45$814
Fulton County25$1,360
Gallatin County26$984
Greene County10$1,278
Hancock County46$984
Henderson County72$1,100
Jefferson County20$911
Jersey County70$1,114
Jo Daviess County46$1,164
Kendall County97$1,264
Knox County30$1,242
Lawrence County12$1,216
Lee County94$1,147
Logan County39$972
Macon County86$1,420
Macoupin County11$636
Marion County19$1,121
Marshall County22$942
Mason County44$1,120
Mercer County15$1,402
Morgan County75$1,343
Moultrie County34$1,060
Perry County10$936
Piatt County26$1,261
Pike County86$1,202
Pulaski County24$779
Putnam County10$1,435
Saline County77$870
Scott County13$1,244
Stephenson County49$1,233
Union County48$1,008
Vermilion County46$1,047
Warren County27$713
Wayne County12$846
White County56$780

ZIP codes with the most insured homes