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Flood insurance cost · LaSalle County, IL

Flood insurance cost in LaSalle County, Illinois

What homeowners with a National Flood Insurance Program policy actually pay, from FEMA's records of 216 home policies in force on August 31, 2026.

LaSalle County, IllinoisPolicies in force on Aug 31, 2026

Median annual cost of NFIP flood insurance for a home

$1,274a year

Half of insured homes paid between $932 and $1,710. That is 11% more than the Illinois median ($1,146). The most common flood zone for insured homes here is zone AE (42%).

$0$932 · $1,274 · $1,710$2,138
+12.9% vs Aug 31, 2025 (median $1,128)
216home policies in force
$1,484average cost (mean)
62%of insured homes in high-risk zones (A, V)
$150,000median 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 LaSalle 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		$1,423$920–$1,951$1,74191 (42%)+10.0%
Zone A
High risk		$851$702–$1,238$1,06023 (11%)−0.6%
Zone AO
High risk, shallow		$1,577$1,534–$2,375$1,82020 (9%)−4.1%
Zone X
Moderate to low risk		$1,228$1,020–$1,400$1,23782 (38%)+16.3%

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

Type of buildingPoliciesMedianAverage
Single-family home208$1,266$1,493
Non-residential building or unit
Businesses, churches, farm buildings and other non-residential property.		48$2,834$4,486

Not shown (fewer than 10 policies): 2–4 unit building, manufactured (mobile) home, condo or apartment unit, whole residential building (5+ units or condo association).

270NFIP policies in force, any building
270insured units (condo association policies count every unit)
58%of home policies also cover contents
$63,000median contents coverage, when bought

One year on: LaSalle 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 force230216−6.1%
Median annual cost$1,128$1,274+12.9%
Average annual cost$1,351$1,484+9.8%
All policies in force (any building)286270−5.6%

How many homes have flood insurance?

0.5%of all homes in LaSalle County have an NFIP policy
20.2%of homes in high-risk zones (special flood hazard area) have one
41,450residential buildings counted by FEMA
668of 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 LaSalle County, Illinois have filed 681 flood claims. 593 received a payment, for a total of $12.8 million (an average of $21,535 per paid claim). The year with the most claims was 2008 (110 claims). Amounts are in dollars of the time, not adjusted for inflation.

0501001502001978: 22 claims, 19 paid, $62,981 in total1979: 31 claims, 28 paid, $151,495 in total19801981: 11 claims, 10 paid, $60,923 in total1982: 36 claims, 34 paid, $567,101 in total1985: 53 claims, 51 paid, $302,214 in total1986: 11 claims, 10 paid, $60,961 in total19901993: 25 claims, 22 paid, $474,961 in total1996: 63 claims, 62 paid, $1,592,241 in total1997: 64 claims, 60 paid, $1,168,320 in total19971998: 10 claims20002002: 12 claims, 11 paid, $136,872 in total2007: 33 claims, 30 paid, $356,218 in total2008: 110 claims, 100 paid, $2,994,392 in total20082009: 10 claims20102013: 103 claims, 85 paid, $3,781,159 in total20132015: 11 claims2020
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 (16)

Swipe the table sideways to see all columns.

Year of lossClaimsPaid claimsTotal paidAverage per paid claim
201511<10––
201310385$3,781,159$44,484
200910<10––
2008110100$2,994,392$29,944
20073330$356,218$11,874
20021211$136,872$12,443
199810<10––
19976460$1,168,320$19,472
19966362$1,592,241$25,681
19932522$474,961$21,589
19861110$60,961$6,096
19855351$302,214$5,926
19823634$567,101$16,679
19811110$60,923$6,092
19793128$151,495$5,411
19782219$62,981$3,315

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 La Salle County (47 home policies) · Ottawa (31 home policies) · Marseilles (30 home policies) · North Utica (25 home policies) · Peru (24 home policies) · Mendota (14 home policies)