Menu

Flood insurance cost · Madison County, IL

Flood insurance cost in Madison County, Illinois

What homeowners with a National Flood Insurance Program policy actually pay, from FEMA's records of 806 home policies in force on August 31, 2026.

Madison County, IllinoisPolicies in force on Aug 31, 2026

Median annual cost of NFIP flood insurance for a home

$1,260a year

Half of insured homes paid between $1,026 and $1,463. That is 10% more than the Illinois median ($1,146). Most insured homes here are rated in zone AH (54%).

$0$1,026 · $1,260 · $1,463$1,829
+9.9% vs Aug 31, 2025 (median $1,146)
806home policies in force
$1,308average cost (mean)
64%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 Madison 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		$1,055$841–$1,676$1,45559 (7%)+2.0%
Zone A
High risk		$1,407$967–$1,668$1,44422 (3%)+10.7%
Zone AH
High risk, shallow		$1,324$1,044–$1,632$1,373432 (54%)+4.1%
Zone X
Moderate to low risk		$1,206$1,066–$1,369$1,167290 (36%)+14.2%

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

Type of buildingPoliciesMedianAverage
Single-family home788$1,260$1,310
2–4 unit building10$1,476$1,374
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.		23$1,233$2,167
Non-residential building or unit
Businesses, churches, farm buildings and other non-residential property.		105$2,827$3,442

Not shown (fewer than 10 policies): manufactured (mobile) home, condo or apartment unit.

934NFIP policies in force, any building
934insured units (condo association policies count every unit)
52%of home policies also cover contents
$84,000median contents coverage, when bought

One year on: Madison 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 force849806−5.1%
Median annual cost$1,146$1,260+9.9%
Average annual cost$1,229$1,308+6.4%
All policies in force (any building)989934−5.6%

How many homes have flood insurance?

0.8%of all homes in Madison County have an NFIP policy
–of homes in high-risk zones (special flood hazard area) have one
105,162residential buildings counted by FEMA
0of 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 Madison County, Illinois have filed 1,090 flood claims. 819 received a payment, for a total of $7,987,361 (an average of $9,753 per paid claim). The year with the most claims was 1979 (192 claims). Amounts are in dollars of the time, not adjusted for inflation.

0501001502001978: 21 claims, 16 paid, $17,547 in total1979: 192 claims, 181 paid, $613,039 in total197919801981: 10 claims1982: 85 claims, 68 paid, $176,575 in total1983: 61 claims, 52 paid, $110,430 in total1984: 12 claims1985: 15 claims1986: 41 claims, 34 paid, $252,115 in total19901993: 116 claims, 87 paid, $2,022,376 in total19931994: 24 claims1995: 118 claims, 82 paid, $510,186 in total19951996: 15 claims1998: 18 claims20002002: 21 claims, 14 paid, $168,807 in total2005: 20 claims, 11 paid, $54,955 in total2008: 41 claims, 30 paid, $530,866 in total2009: 15 claims, 12 paid, $170,323 in total2010: 10 claims20102013: 22 claims, 13 paid, $77,370 in total2015: 55 claims, 41 paid, $553,757 in total2016: 28 claims, 19 paid, $249,052 in total2017: 17 claims2019: 59 claims, 52 paid, $1,626,790 in total2020
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 (23)

Swipe the table sideways to see all columns.

Year of lossClaimsPaid claimsTotal paidAverage per paid claim
20195952$1,626,790$31,284
201717<10––
20162819$249,052$13,108
20155541$553,757$13,506
20132213$77,370$5,952
201010<10––
20091512$170,323$14,194
20084130$530,866$17,696
20052011$54,955$4,996
20022114$168,807$12,058
199818<10––
199615<10––
199511882$510,186$6,222
199424<10––
199311687$2,022,376$23,246
19864134$252,115$7,415
198515<10––
198412<10––
19836152$110,430$2,124
19828568$176,575$2,597
198110<10––
1979192181$613,039$3,387
19782116$17,547$1,097

From 2016 to 2026: 104 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.

ZIP codes in Madison County

ZIP codes with at least 300 NFIP home policies in force have their own page.

Main NFIP communities in the county

Unincorporated Madison County (336 home policies) · Granite City (214 home policies) · Wood River (89 home policies) · Pontoon Beach (81 home policies) · East Alton (20 home policies) · Madison (10 home policies)