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Flood insurance cost · Peoria County, IL

Flood insurance cost in Peoria County, Illinois

What homeowners with a National Flood Insurance Program policy actually pay, from FEMA's records of 296 home policies in force on August 31, 2026.

Peoria County, IllinoisPolicies in force on Aug 31, 2026

Median annual cost of NFIP flood insurance for a home

$1,000a year

Half of insured homes paid between $677 and $1,462. That is 13% less than the Illinois median ($1,146). Most insured homes here are rated in zone AE (75%).

$0$677 · $1,000 · $1,462$1,828
+7.1% vs Aug 31, 2025 (median $934)
296home policies in force
$1,250average cost (mean)
79%of insured homes in high-risk zones (A, V)
$136,000median 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 Peoria 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		$1,156$694–$1,697$1,363221 (75%)+9.6%
Zone A
High risk		$924$664–$1,046$1,18013 (4%)+3.6%
Zone X
Moderate to low risk		$790$561–$1,155$86262 (21%)+1.8%

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 Peoria County, by what they insure.

Type of buildingPoliciesMedianAverage
Single-family home278$1,041$1,277
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.		10$1,273$1,706
Non-residential building or unit
Businesses, churches, farm buildings and other non-residential property.		26$3,712$4,392

Not shown (fewer than 10 policies): 2–4 unit building, manufactured (mobile) home, condo or apartment unit.

332NFIP policies in force, any building
363insured units (condo association policies count every unit)
43%of home policies also cover contents
$55,000median contents coverage, when bought

One year on: Peoria 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 force300296−1.3%
Median annual cost$934$1,000+7.1%
Average annual cost$1,154$1,250+8.3%
All policies in force (any building)340332−2.4%

How many homes have flood insurance?

0.4%of all homes in Peoria County have an NFIP policy
–of homes in high-risk zones (special flood hazard area) have one
70,685residential 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 Peoria County, Illinois have filed 2,574 flood claims. 2,250 received a payment, for a total of $23.8 million (an average of $10,576 per paid claim). The year with the most claims was 1982 (593 claims). Amounts are in dollars of the time, not adjusted for inflation.

02004006008001978: 26 claims, 23 paid, $198,021 in total1979: 367 claims, 346 paid, $4,379,036 in total19791980: 32 claims, 25 paid, $117,741 in total19801981: 25 claims, 21 paid, $110,329 in total1982: 593 claims, 544 paid, $2,775,461 in total19821983: 165 claims, 131 paid, $406,576 in total1984: 13 claims1985: 373 claims, 313 paid, $1,799,200 in total19851986: 37 claims, 33 paid, $543,402 in total1990: 25 claims, 20 paid, $55,343 in total19901993: 43 claims, 39 paid, $465,248 in total1995: 62 claims, 50 paid, $309,858 in total1997: 108 claims, 95 paid, $899,498 in total1998: 20 claims, 14 paid, $97,178 in total20002002: 32 claims, 27 paid, $123,109 in total2005: 12 claims, 11 paid, $38,510 in total2007: 10 claims2008: 99 claims, 86 paid, $1,441,069 in total2009: 121 claims, 111 paid, $1,960,211 in total20102013: 215 claims, 198 paid, $6,465,545 in total2015: 46 claims, 36 paid, $283,868 in total2016: 10 claims2019: 46 claims, 41 paid, $810,733 in total2020: 28 claims, 23 paid, $200,269 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 (24)

Swipe the table sideways to see all columns.

Year of lossClaimsPaid claimsTotal paidAverage per paid claim
20202823$200,269$8,707
20194641$810,733$19,774
201610<10––
20154636$283,868$7,885
2013215198$6,465,545$32,654
2009121111$1,960,211$17,660
20089986$1,441,069$16,757
200710<10––
20051211$38,510$3,501
20023227$123,109$4,560
19982014$97,178$6,941
199710895$899,498$9,468
19956250$309,858$6,197
19934339$465,248$11,929
19902520$55,343$2,767
19863733$543,402$16,467
1985373313$1,799,200$5,748
198413<10––
1983165131$406,576$3,104
1982593544$2,775,461$5,102
19812521$110,329$5,254
19803225$117,741$4,710
1979367346$4,379,036$12,656
19782623$198,021$8,610

From 2016 to 2026: 84 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 Peoria County (195 home policies) · Peoria (69 home policies) · Chillicothe (13 home policies) · Peoria Heights (13 home policies)