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Flood insurance cost · Will County, IL

Flood insurance cost in Will County, Illinois

What homeowners with a National Flood Insurance Program policy actually pay, from FEMA's records of 1,009 home policies in force on August 31, 2026.

Will County, IllinoisPolicies in force on Aug 31, 2026

Median annual cost of NFIP flood insurance for a home

$1,217a year

Half of insured homes paid between $925 and $1,772. That is 6% more than the Illinois median ($1,146). Most insured homes here are rated in zone AE (60%).

$0$925 · $1,217 · $1,772$2,215
+12.1% vs Aug 31, 2025 (median $1,086)
1,009home policies in force
$1,499average cost (mean)
73%of insured homes in high-risk zones (A, V)
$200,000median 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 Will 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		$1,384$1,071–$2,274$1,757608 (60%)+4.8%
Zone A
High risk		$1,095$807–$1,383$1,287125 (12%)+7.8%
Zone X
Moderate to low risk		$1,008$669–$1,228$1,027276 (27%)+8.4%

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 Will County, by what they insure.

Type of buildingPoliciesMedianAverage
Single-family home915$1,225$1,511
2–4 unit building77$1,117$1,517
Condo or apartment unit15$535$679
Non-residential building or unit
Businesses, churches, farm buildings and other non-residential property.		119$3,109$4,253

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

1,137NFIP policies in force, any building
1,161insured units (condo association policies count every unit)
61%of home policies also cover contents
$63,000median contents coverage, when bought

One year on: Will 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 force1,0461,009−3.5%
Median annual cost$1,086$1,217+12.1%
Average annual cost$1,418$1,499+5.7%
All policies in force (any building)1,1751,137−3.2%

How many homes have flood insurance?

0.5%of all homes in Will County have an NFIP policy
22.7%of homes in high-risk zones (special flood hazard area) have one
220,472residential buildings counted by FEMA
3,291of 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 Will County, Illinois have filed 2,300 flood claims. 1,886 received a payment, for a total of $21.1 million (an average of $11,198 per paid claim). The year with the most claims was 1996 (608 claims). Amounts are in dollars of the time, not adjusted for inflation.

02004006008001978: 17 claims, 16 paid, $40,897 in total1979: 74 claims, 60 paid, $322,055 in total1980: 24 claims, 20 paid, $46,658 in total19801981: 311 claims, 286 paid, $1,417,396 in total19811982: 243 claims, 197 paid, $1,005,165 in total19821983: 55 claims, 46 paid, $401,059 in total1984: 77 claims, 61 paid, $436,987 in total1985: 91 claims, 79 paid, $957,783 in total1989: 10 claims1990: 53 claims, 38 paid, $238,769 in total19901993: 11 claims1994: 11 claims1996: 608 claims, 506 paid, $6,911,181 in total19961997: 47 claims, 35 paid, $286,497 in total20002002: 18 claims, 16 paid, $50,924 in total2003: 20 claims, 16 paid, $101,393 in total2004: 20 claims, 13 paid, $82,696 in total2006: 20 claims, 13 paid, $46,236 in total2007: 38 claims, 32 paid, $560,950 in total2008: 145 claims, 126 paid, $2,322,698 in total2010: 18 claims, 13 paid, $69,644 in total20102011: 22 claims, 16 paid, $253,728 in total2013: 131 claims, 119 paid, $2,954,949 in total2014: 11 claims2015: 10 claims2017: 20 claims, 17 paid, $258,612 in total2018: 18 claims, 15 paid, $160,800 in total2019: 40 claims, 33 paid, $616,543 in total2020: 37 claims, 29 paid, $412,348 in total20202024: 12 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 (30)

Swipe the table sideways to see all columns.

Year of lossClaimsPaid claimsTotal paidAverage per paid claim
202412<10––
20203729$412,348$14,219
20194033$616,543$18,683
20181815$160,800$10,720
20172017$258,612$15,212
201510<10––
201411<10––
2013131119$2,954,949$24,832
20112216$253,728$15,858
20101813$69,644$5,357
2008145126$2,322,698$18,434
20073832$560,950$17,530
20062013$46,236$3,557
20042013$82,696$6,361
20032016$101,393$6,337
20021816$50,924$3,183
19974735$286,497$8,186
1996608506$6,911,181$13,658
199411<10––
199311<10––
19905338$238,769$6,283
198910<10––
19859179$957,783$12,124
19847761$436,987$7,164
19835546$401,059$8,719
1982243197$1,005,165$5,102
1981311286$1,417,396$4,956
19802420$46,658$2,333
19797460$322,055$5,368
19781716$40,897$2,556

From 2016 to 2026: 127 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

Joliet (385 home policies) · Unincorporated Will County (343 home policies) · Plainfield (48 home policies) · Naperville (45 home policies) · Homer Glen (22 home policies) · New Lenox (21 home policies)