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Flood insurance cost · DuPage County, IL

Flood insurance cost in DuPage County, Illinois

What homeowners with a National Flood Insurance Program policy actually pay, from FEMA's records of 1,645 home policies in force on August 31, 2026.

DuPage County, IllinoisPolicies in force on Aug 31, 2026

Median annual cost of NFIP flood insurance for a home

$1,011a year

Half of insured homes paid between $670 and $1,305. That is 12% less than the Illinois median ($1,146). Most insured homes here are rated in zone AE (52%).

$0$670 · $1,011 · $1,305$1,631
+6.2% vs Aug 31, 2025 (median $952)
1,645home policies in force
$1,105average cost (mean)
55%of insured homes in high-risk zones (A, V)
$250,000median 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 DuPage County

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 AE
High risk		$1,114$860–$1,458$1,316863 (52%)+11.2%
Zone A
High risk		$853$715–$1,079$95539 (2%)+3.1%
Zone X
Moderate to low risk		$792$551–$1,197$869743 (45%)+2.3%

Not shown (fewer than 10 home policies): VE, AO, AH, 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 DuPage County, by what they insure.

Type of buildingPoliciesMedianAverage
Single-family home1,518$1,042$1,140
2–4 unit building24$1,283$1,336
Condo or apartment unit102$485$535
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.		131$3,591$5,077
Non-residential building or unit
Businesses, churches, farm buildings and other non-residential property.		207$3,358$4,375

Not shown (fewer than 10 policies): manufactured (mobile) home.

1,983NFIP policies in force, any building
3,327insured units (condo association policies count every unit)
74%of home policies also cover contents
$100,000median contents coverage, when bought

One year on: DuPage County

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 force1,7061,645−3.6%
Median annual cost$952$1,011+6.2%
Average annual cost$1,041$1,105+6.1%
All policies in force (any building)2,0661,983−4.0%

How many homes have flood insurance?

0.6%of all homes in DuPage County have an NFIP policy
40.8%of homes in high-risk zones (special flood hazard area) have one
297,865residential buildings counted by FEMA
2,485of them in high-risk zones

FEMA NFIP Residential Penetration Rates, data as of August 3, 2026: residential contracts in force divided by residential structures.

Flood claims history

Since 1978, NFIP policyholders in DuPage County, Illinois have filed 3,610 flood claims. 2,773 received a payment, for a total of $55.6 million (an average of $20,051 per paid claim). The year with the most claims was 1987 (651 claims). Amounts are in dollars of the time, not adjusted for inflation.

02004006008001978: 98 claims, 83 paid, $214,145 in total1979: 255 claims, 204 paid, $916,582 in total1980: 45 claims, 28 paid, $63,073 in total19801981: 26 claims, 14 paid, $37,623 in total1982: 203 claims, 166 paid, $1,060,088 in total1983: 136 claims, 106 paid, $692,451 in total1984: 13 claims1985: 112 claims, 44 paid, $148,719 in total1986: 14 claims1987: 651 claims, 541 paid, $6,526,170 in total19871989: 27 claims, 16 paid, $151,701 in total1990: 49 claims, 33 paid, $142,059 in total19901994: 17 claims1996: 183 claims, 122 paid, $1,104,873 in total1997: 75 claims, 48 paid, $302,765 in total1998: 12 claims1999: 28 claims, 13 paid, $69,538 in total20002001: 106 claims, 78 paid, $697,962 in total2006: 55 claims, 42 paid, $331,769 in total2007: 24 claims, 17 paid, $127,450 in total2008: 403 claims, 360 paid, $11,048,132 in total20082009: 12 claims2010: 199 claims, 168 paid, $6,220,815 in total20102011: 35 claims, 27 paid, $1,186,432 in total2013: 521 claims, 451 paid, $19,741,375 in total20132014: 32 claims, 20 paid, $461,705 in total2015: 35 claims, 24 paid, $389,401 in total2016: 12 claims2017: 42 claims, 26 paid, $766,457 in total2018: 14 claims, 10 paid, $365,677 in total2019: 12 claims2020: 67 claims, 49 paid, $1,475,832 in total20202026: 33 claims, 17 paid, $527,674 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 (33)

Swipe the table sideways to see all columns.

Year of lossClaimsPaid claimsTotal paidAverage per paid claim
20263317$527,674$31,040
20206749$1,475,832$30,119
201912<10––
20181410$365,677$36,568
20174226$766,457$29,479
201612<10––
20153524$389,401$16,225
20143220$461,705$23,085
2013521451$19,741,375$43,772
20113527$1,186,432$43,942
2010199168$6,220,815$37,029
200912<10––
2008403360$11,048,132$30,689
20072417$127,450$7,497
20065542$331,769$7,899
200110678$697,962$8,948
19992813$69,538$5,349
199812<10––
19977548$302,765$6,308
1996183122$1,104,873$9,056
199417<10––
19904933$142,059$4,305
19892716$151,701$9,481
1987651541$6,526,170$12,063
198614<10––
198511244$148,719$3,380
198413<10––
1983136106$692,451$6,533
1982203166$1,060,088$6,386
19812614$37,623$2,687
19804528$63,073$2,253
1979255204$916,582$4,493
19789883$214,145$2,580

From 2016 to 2026: 180 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.

Main NFIP communities in the county

Unincorporated Du Page County (245 home policies) · Addison (152 home policies) · Wheaton (142 home policies) · Downers Grove (118 home policies) · Lisle (112 home policies) · Naperville (102 home policies)