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Flood insurance cost · Lake County, IL

Flood insurance cost in Lake County, Illinois

What homeowners with a National Flood Insurance Program policy actually pay, from FEMA's records of 1,813 home policies in force on August 31, 2026.

Lake County, IllinoisPolicies in force on Aug 31, 2026

Median annual cost of NFIP flood insurance for a home

$1,152a year

Half of insured homes paid between $702 and $1,684. That is about the same as the Illinois median ($1,146). Most insured homes here are rated in zone AE (56%).

$0$702 · $1,152 · $1,684$2,105
+11.7% vs Aug 31, 2025 (median $1,031)
1,813home policies in force
$1,331average cost (mean)
61%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 Lake 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		$1,526$978–$2,111$1,6721,024 (56%)+6.6%
Zone A
High risk		$921$628–$1,421$1,08476 (4%)+8.7%
Zone X
Moderate to low risk		$774$553–$1,194$868713 (39%)−0.5%

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 Lake County, by what they insure.

Type of buildingPoliciesMedianAverage
Single-family home1,760$1,180$1,344
2–4 unit building19$966$983
Condo or apartment unit27$627$661
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.		43$2,847$3,826
Non-residential building or unit
Businesses, churches, farm buildings and other non-residential property.		143$2,965$3,752

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

1,999NFIP policies in force, any building
2,198insured units (condo association policies count every unit)
62%of home policies also cover contents
$100,000median contents coverage, when bought

One year on: Lake 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 force1,9001,813−4.6%
Median annual cost$1,031$1,152+11.7%
Average annual cost$1,254$1,331+6.1%
All policies in force (any building)2,0851,999−4.1%

How many homes have flood insurance?

0.8%of all homes in Lake County have an NFIP policy
24.3%of homes in high-risk zones (special flood hazard area) have one
226,128residential buildings counted by FEMA
4,579of 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 Lake County, Illinois have filed 2,465 flood claims. 1,771 received a payment, for a total of $29.0 million (an average of $16,367 per paid claim). The year with the most claims was 2017 (428 claims). Amounts are in dollars of the time, not adjusted for inflation.

02004006008001978: 12 claims1979: 195 claims, 143 paid, $557,281 in total19801981: 25 claims, 13 paid, $13,884 in total1982: 169 claims, 140 paid, $1,162,905 in total1983: 23 claims, 19 paid, $123,706 in total1985: 17 claims1986: 240 claims, 185 paid, $1,691,146 in total19861987: 34 claims, 19 paid, $88,708 in total19901993: 176 claims, 113 paid, $862,709 in total1994: 10 claims1996: 49 claims, 26 paid, $229,074 in total1997: 10 claims1998: 10 claims1999: 20 claims2000: 47 claims, 22 paid, $222,818 in total20002001: 25 claims, 14 paid, $86,799 in total2004: 65 claims, 54 paid, $1,625,035 in total2006: 10 claims2007: 98 claims, 69 paid, $560,434 in total2008: 107 claims, 79 paid, $563,151 in total2009: 48 claims, 32 paid, $614,619 in total2010: 34 claims, 16 paid, $104,829 in total20102011: 17 claims, 12 paid, $103,097 in total2013: 279 claims, 226 paid, $6,081,946 in total20132014: 21 claims2015: 13 claims2017: 428 claims, 341 paid, $10,880,609 in total20172018: 19 claims, 11 paid, $74,999 in total2019: 60 claims, 52 paid, $757,495 in total2020: 60 claims, 46 paid, $257,352 in total20202022: 10 claims2024: 11 claims2026: 59 claims, 49 paid, $1,265,720 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
20265949$1,265,720$25,831
202411<10––
202210<10––
20206046$257,352$5,595
20196052$757,495$14,567
20181911$74,999$6,818
2017428341$10,880,609$31,908
201513<10––
201421<10––
2013279226$6,081,946$26,911
20111712$103,097$8,591
20103416$104,829$6,552
20094832$614,619$19,207
200810779$563,151$7,128
20079869$560,434$8,122
200610<10––
20046554$1,625,035$30,093
20012514$86,799$6,200
20004722$222,818$10,128
199920<10––
199810<10––
199710<10––
19964926$229,074$8,811
199410<10––
1993176113$862,709$7,635
19873419$88,708$4,669
1986240185$1,691,146$9,141
198517<10––
19832319$123,706$6,511
1982169140$1,162,905$8,306
19812513$13,884$1,068
1979195143$557,281$3,897
197812<10––

From 2016 to 2026: 647 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 Lake County (612 home policies) · Highland Park (150 home policies) · Deerfield (121 home policies) · Fox Lake (120 home policies) · Lake Forest (98 home policies) · Round Lake Beach (80 home policies)