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Flood insurance cost · Rock Island County, IL

Flood insurance cost in Rock Island County, Illinois

What homeowners with a National Flood Insurance Program policy actually pay, from FEMA's records of 661 home policies in force on August 31, 2026.

Rock Island County, IllinoisPolicies in force on Aug 31, 2026

Median annual cost of NFIP flood insurance for a home

$731a year

Half of insured homes paid between $556 and $1,297. That is 36% less than the Illinois median ($1,146). Most insured homes here are rated in zone AE (86%).

$0$556 · $731 · $1,297$1,621
+3.1% vs Aug 31, 2025 (median $709)
661home policies in force
$1,033average cost (mean)
92%of insured homes in high-risk zones (A, V)
$121,000median 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 Rock Island 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		$714$546–$1,328$1,061567 (86%)+2.9%
Zone AO
High risk, shallow		$658$538–$759$70116 (2%)+3.8%
Zone AH
High risk, shallow		$837$722–$1,000$85715 (2%)±0.0%
Zone X
Moderate to low risk		$821$658–$1,205$89955 (8%)+4.9%

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

Type of buildingPoliciesMedianAverage
Single-family home644$727$1,030
2–4 unit building14$930$1,158
Non-residential building or unit
Businesses, churches, farm buildings and other non-residential property.		127$2,030$2,687

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

792NFIP policies in force, any building
792insured units (condo association policies count every unit)
31%of home policies also cover contents
$50,000median contents coverage, when bought

One year on: Rock Island 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 force693661−4.6%
Median annual cost$709$731+3.1%
Average annual cost$977$1,033+5.7%
All policies in force (any building)823792−3.8%

How many homes have flood insurance?

1.3%of all homes in Rock Island County have an NFIP policy
23.7%of homes in high-risk zones (special flood hazard area) have one
52,629residential buildings counted by FEMA
2,585of 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 Rock Island County, Illinois have filed 2,135 flood claims. 1,731 received a payment, for a total of $20.2 million (an average of $11,687 per paid claim). The year with the most claims was 1979 (400 claims). Amounts are in dollars of the time, not adjusted for inflation.

01002003004001978: 13 claims1979: 400 claims, 320 paid, $768,248 in total197919801982: 25 claims, 15 paid, $14,897 in total1983: 31 claims, 15 paid, $33,458 in total1985: 62 claims, 38 paid, $91,863 in total1986: 28 claims, 23 paid, $43,017 in total1990: 42 claims, 23 paid, $101,110 in total19901993: 223 claims, 174 paid, $2,377,349 in total19931994: 14 claims, 11 paid, $59,791 in total1996: 71 claims, 58 paid, $427,459 in total1997: 130 claims, 123 paid, $919,613 in total1999: 11 claims2000: 36 claims, 26 paid, $356,572 in total20002001: 159 claims, 150 paid, $2,381,201 in total2002: 89 claims, 78 paid, $995,968 in total2004: 12 claims2007: 18 claims, 16 paid, $287,156 in total2008: 218 claims, 188 paid, $3,156,213 in total20082009: 28 claims, 24 paid, $142,546 in total2010: 17 claims, 14 paid, $80,050 in total20102011: 42 claims, 33 paid, $144,374 in total2013: 134 claims, 120 paid, $2,652,063 in total2014: 49 claims, 37 paid, $967,771 in total2017: 25 claims, 20 paid, $286,093 in total2018: 22 claims, 20 paid, $189,765 in total2019: 128 claims, 114 paid, $2,441,408 in total20202023: 29 claims, 26 paid, $515,462 in total2024: 10 claims
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 (28)

Swipe the table sideways to see all columns.

Year of lossClaimsPaid claimsTotal paidAverage per paid claim
202410<10––
20232926$515,462$19,825
2019128114$2,441,408$21,416
20182220$189,765$9,488
20172520$286,093$14,305
20144937$967,771$26,156
2013134120$2,652,063$22,101
20114233$144,374$4,375
20101714$80,050$5,718
20092824$142,546$5,939
2008218188$3,156,213$16,788
20071816$287,156$17,947
200412<10––
20028978$995,968$12,769
2001159150$2,381,201$15,875
20003626$356,572$13,714
199911<10––
1997130123$919,613$7,477
19967158$427,459$7,370
19941411$59,791$5,436
1993223174$2,377,349$13,663
19904223$101,110$4,396
19862823$43,017$1,870
19856238$91,863$2,417
19833115$33,458$2,231
19822515$14,897$993
1979400320$768,248$2,401
197813<10––

From 2016 to 2026: 214 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 Rock Island County (260 home policies) · Moline (131 home policies) · Hillsdale (61 home policies) · Carbon Cliff (52 home policies) · Andalusia (47 home policies) · Coal Valley (26 home policies)