Flood insurance in Illinois: cost by ZIP code and county
Illinois counts 19,327 single-family flood policies, with a median bill of $1,154 a year on July 31, 2026.
Median single-family flood bill, Illinois
$1,154
19,327 policies in force on July 31, 2026, premium and fees included.
| Median full-risk price, same policies | $1,306 |
| Policies still below their full-risk price | 38 % |
| Median paid in August 2023 | $873 |
| Increase left from the median | 1 renewal at 18 % |
| Next five bills, added up | $6,530 |
| Median claim paid, 2016 to 2025 (2,818 claims) | $9,562 |
Compiled by Radif Partners · Where the numbers come from · 517 ZIP codes and 91 counties of Illinois in FEMA's tables · not a quote
A federal flood policy on an Illinois single-family home had a median cost of $1,154 a year on July 31, 2026, premium plus the Reserve Fund Assessment, HFIAA surcharge and Federal Policy Fee. That is a little above the national $1,081, even though FEMA's 2023 table counts no storm surge exposure in the state. The market is small for a state of its size, 19,327 policies, and about 55 % of them are in Cook County and four counties that border it, Lake, DuPage, Will and McHenry. Two in three policies are rated in high-risk A zones, where the median bill was $1,257; homes in X zones paid $966. Illinois bills are near their model level: the full-risk median would be $1,306, and 38 % of policies were still below it. Claims are frequent but modest, with a median paid single-family claim of $9,562 over 2016 to 2025.
Cook County and its neighbours hold the policies
Cook County, which includes most of Chicago, alone had 5,625 single-family policies at a median of $1,176. Lake County had 1,808 at $1,180, and DuPage 1,541 at $1,042.
The claim record of these counties is made of many small losses. Cook County had 538 paid single-family claims over ten years, with a median payment of only $6,052, less than a quarter of the national median of $42,494. Lake County claims were larger, $10,372 at the median, and DuPage County recorded 84 paid claims at a median of $5,874.
Illinois medians and the gap from your bill
Single-family flood policies in Illinois
$1,154
| Median full-risk price, same policies | $1,306 |
| Still below their full-risk price | 38 % |
| Median paid in August 2023 | $873 |
| Gap left from the bill entered | 1 renewal at 18 % |
No single storm dominates
The largest event in the file, listed as Late July Flooding (2022), paid 58 single-family claims, a small slice of the 2,818 paid in the state over the decade. The rest is spread over many smaller events, and the mapped zone is no guarantee: 742 of the paid claims were on homes rated X, B or C.
FEMA's 2023 bands show the same moderate profile: 36 % of Illinois single-family policies had a full-risk cost under $1,000, and 38 % fell between $1,000 and $2,000. Very high prices are rare in the state.
Madison, St. Clair and Rock Island counties
Madison and St. Clair counties, which both border the city of St. Louis, Missouri, had 1,603 policies between them, with medians of $1,234 and $1,075. Rock Island County, which includes Rock Island and Moline, was the cheapest large county at $733. The biggest gap in FEMA's 2023 table was in Pike County, where the full-risk cost was several times the current one.
Among the counties that border Cook, Will has the most room to rise: a median of $1,221 against $1,681 at full risk. Lenders require a policy only in A and V zones; the flood insurance requirement page sets out the rule.
The Illinois counties with the most policies
| County | Policies | Median bill | Full-risk median | Still below full risk | Renewals left at 18 % | Median bill, August 2023 | Median claim 2016-2025 |
|---|---|---|---|---|---|---|---|
| Cook County | 5,625 | $1,176 | $1,231 | 26 % | 1 | $885 | $6,052 |
| Lake County | 1,808 | $1,180 | $1,336 | 34 % | 1 | $879 | $10,372 |
| DuPage County | 1,541 | $1,042 | $1,108 | 35 % | 1 | $761 | $5,874 |
| Will County | 940 | $1,221 | $1,681 | 44 % | 3 | $865 | $7,344 |
| Madison County | 808 | $1,234 | $1,463 | 43 % | 2 | $881 | $6,690 |
| St. Clair County | 795 | $1,075 | $1,190 | 40 % | 1 | $820 | $8,351 |
| McHenry County | 755 | $1,194 | $1,492 | 48 % | 2 | $956 | $11,943 |
| Rock Island County | 666 | $733 | $819 | 33 % | 1 | $679 | $8,288 |
Full-risk prices of Illinois homes, band by band
| Full risk-based price a year | Policies | Share | Median rebuild value |
|---|---|---|---|
| $0 to $1,000 | 8,000 | 35.9 % | $408,976 |
| $1,000 to $2,000 | 8,352 | 37.5 % | $382,388 |
| $2,000 to $3,000 | 2,966 | 13.3 % | $410,636 |
| $3,000 to $4,000 | 1,332 | 6.0 % | $419,093 |
| $4,000 to $5,000 | 660 | 3.0 % | $435,248 |
| $5,000 or more | 964 | 4.3 % |
The floods that paid the most Illinois claims since 2016
| Event (FEMA name) | Year | Paid claims | Paid in total |
|---|---|---|---|
| Late July Flooding | 2022 | 58 | $1,192,562 |
| Central U.S. April Flooding | 2025 | 12 | $319,460 |
| Early winter storms | 2016 | 21 | $254,260 |