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Flood insurance cost · ZIP 60016 · IL

Flood insurance cost in ZIP 60016 (Des Plaines, IL)

What homeowners with a National Flood Insurance Program policy actually pay, from FEMA's records of 360 home policies in force on August 31, 2026.

ZIP code 60016 (Des Plaines, IL)Policies in force on Aug 31, 2026

Median annual cost of NFIP flood insurance for a home

$936a year

Half of insured homes paid between $740 and $1,302. That is 20% less than the Cook County median ($1,164). Most insured homes here are rated in zone AE (85%).

$0$740 · $936 · $1,302$1,628
+2.9% vs Aug 31, 2025 (median $910)
360home policies in force
$1,082average cost (mean)
85%of insured homes in high-risk zones (A, V)
$246,500median 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 ZIP code 60016

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		$923$733–$1,299$1,089307 (85%)+2.8%
Zone X
Moderate to low risk		$1,080$800–$1,345$1,04353 (15%)+14.4%

Not shown (fewer than 10 home policies): VE, A, 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 ZIP code 60016, by what they insure.

Type of buildingPoliciesMedianAverage
Single-family home319$1,002$1,140
Condo or apartment unit35$536$559
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.		61$3,635$6,535
Non-residential building or unit
Businesses, churches, farm buildings and other non-residential property.		31$2,747$3,953

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

452NFIP policies in force, any building
1,658insured units (condo association policies count every unit)
45%of home policies also cover contents
$50,000median contents coverage, when bought

One year on: ZIP code 60016

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 force366360−1.6%
Median annual cost$910$936+2.9%
Average annual cost$1,038$1,082+4.2%
All policies in force (any building)463452−2.4%

Flood claims history

Since 1978, NFIP policyholders in ZIP 60016 have filed 1,452 flood claims. 1,193 received a payment, for a total of $25.8 million (an average of $21,622 per paid claim). The year with the most claims was 2008 (318 claims). Amounts are in dollars of the time, not adjusted for inflation.

01002003004001979: 15 claims, 14 paid, $58,131 in total19801982: 34 claims, 27 paid, $86,550 in total1983: 13 claims1986: 76 claims, 60 paid, $1,193,962 in total1987: 154 claims, 133 paid, $1,876,192 in total19871989: 15 claims, 12 paid, $44,577 in total19901996: 24 claims, 22 paid, $243,914 in total1997: 55 claims, 39 paid, $196,965 in total1999: 20 claims20002001: 24 claims, 13 paid, $44,927 in total2002: 17 claims, 13 paid, $64,649 in total2007: 72 claims, 63 paid, $815,399 in total2008: 318 claims, 299 paid, $9,682,071 in total20082010: 29 claims, 20 paid, $115,986 in total20102011: 124 claims, 97 paid, $1,553,331 in total2013: 304 claims, 270 paid, $8,717,977 in total20132014: 21 claims, 19 paid, $54,080 in total2017: 40 claims, 23 paid, $358,153 in total2020: 27 claims, 18 paid, $427,233 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 (19)

Swipe the table sideways to see all columns.

Year of lossClaimsPaid claimsTotal paidAverage per paid claim
20202718$427,233$23,735
20174023$358,153$15,572
20142119$54,080$2,846
2013304270$8,717,977$32,289
201112497$1,553,331$16,014
20102920$115,986$5,799
2008318299$9,682,071$32,382
20077263$815,399$12,943
20021713$64,649$4,973
20012413$44,927$3,456
199920<10––
19975539$196,965$5,050
19962422$243,914$11,087
19891512$44,577$3,715
1987154133$1,876,192$14,107
19867660$1,193,962$19,899
198313<10––
19823427$86,550$3,206
19791514$58,131$4,152

From 2016 to 2026: 67 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.

NFIP communities in this ZIP code

Des Plaines (274 home policies) · Unincorporated Cook County (86 home policies). A ZIP code can cross city and county lines; each policy is counted once, in the ZIP code reported for the insured building.