Flood history / Illinois
Illinois
flood claim history.
ZIP codes122100+ paid claims each
Paid claims35,9661978–2026
Total paid$411.0MNational Flood Insurance Program
Outside high-risk zone19%of claims with a rated zone
Across the 122 Illinois ZIP codes with at least 100 paid claims on file, the National Flood Insurance Program has paid $411.0M on 35,966 claims between 1978 and 2026. ZIP 60104 in Cook County carries the most at 1,489, 4.1% of the state total shown here.
The events driving the most paid claims across these ZIPs are Mid-spring storms (3,100 claims), Hurricane Ike (2,279 claims) and Midwest Flooding (1,953 claims).
18.8% of the claims here that record a rated flood zone were on properties outside the mapped high-risk area — the zone where flood insurance is optional and most owners go without it.
Claim volume tracks how many properties carried flood insurance as much as how often the water came up. A ZIP with a long insured history will out-file a comparable one where few owners were covered, so read each ZIP's own record rather than ranking them against each other.
Every Illinois ZIP code on file
| ZIP | County | Paid claims | Total paid | Heaviest year |
|---|---|---|---|---|
| 60104 | Cook County | 1,489 | $9.5M | 2010 546 |
| 60016 | Cook County | 1,452 | $25.8M | 2008 318 |
| 61523 | Peoria County | 1,133 | $10.0M | 1982 285 |
| 60426 | Cook County | 882 | $1.8M | 1996 141 |
| 61265 | Rock Island County | 827 | $8.9M | 1979 163 |
| 62037 | Jersey County | 791 | $9.8M | 1993 175 |
| 60473 | Cook County | 780 | $2.7M | 2008 217 |
| 60970 | Iroquois County | 752 | $15.7M | 2008 332 |
| 61244 | Rock Island County | 647 | $5.9M | 1979 135 |
| 60101 | DuPage County | 646 | $8.9M | 1987 168 |
| 60154 | Cook County | 593 | $5.2M | 2010 282 |
| 61115 | Winnebago County | 575 | $10.5M | 2008 234 |
| 60164 | Cook County | 571 | $7.2M | 2013 106 |
| 61611 | Woodford County | 557 | $4.6M | 1982 143 |
| 60409 | Cook County | 549 | $2.1M | 1982 122 |
| 62031 | Jersey County | 528 | $9.6M | 1993 134 |
| 62047 | Calhoun County | 512 | $5.2M | 1993 167 |
| 60419 | Cook County | 478 | $1.1M | 2008 126 |
| 62013 | Calhoun County | 474 | $4.4M | 1993 123 |
| 62295 | Monroe County | 466 | $16.9M | 1993 452 |
| 60165 | Cook County | 461 | $6.5M | 2010 99 |
| 60432 | Will County | 432 | $1.5M | 1996 257 |
| 60160 | Cook County | 420 | $4.1M | 2010 167 |
| 60481 | Will County | 408 | $3.9M | 1985 85 |
| 62040 | Madison County | 401 | $2.4M | 1995 69 |
| 60093 | Cook County | 398 | $3.5M | 2011 82 |
| 62053 | Calhoun County | 388 | $3.6M | 1979 72 |
| 60018 | Cook County | 366 | $10.8M | 2008 112 |
| 60131 | Cook County | 364 | $6.0M | 2013 81 |
| 61104 | Winnebago County | 352 | $7.0M | 2007 159 |
| 60126 | DuPage County | 342 | $3.2M | 1987 177 |
| 60901 | Kankakee County | 326 | $6.3M | 2018 58 |
| 60020 | Lake County | 324 | $3.6M | 2013 58 |
| 60438 | Cook County | 321 | $1.1M | 1981 69 |
| 60002 | Lake County | 318 | $3.3M | 2013 61 |
| 60025 | Cook County | 311 | $6.3M | 2013 61 |
| 61614 | Peoria County | 305 | $2.1M | 1982 72 |
| 61025 | Jo Daviess County | 304 | $2.9M | 2011 51 |
| 61616 | Peoria County | 296 | $2.8M | 1982 71 |
| 62035 | Jersey County | 295 | $2.9M | 1983 57 |
| 62203 | St. Clair County | 283 | $2.2M | 1996 75 |
| 60532 | DuPage County | 280 | $9.2M | 2013 146 |
| 60076 | Cook County | 275 | $909K | 1981 117 |
| 62617 | Mason County | 273 | $2.5M | 1982 48 |
| 60433 | Will County | 270 | $1.2M | 1981 96 |
| 61425 | Henderson County | 261 | $7.7M | 2008 91 |
| 60015 | Lake County | 259 | $2.6M | 1982 102 |
| 60137 | DuPage County | 258 | $2.3M | 2013 50 |
| 60954 | Kankakee County | 254 | $2.5M | 2008 51 |
| 61543 | Fulton County | 253 | $1.5M | 1982 91 |
| 60051 | McHenry County | 247 | $2.4M | 2013 55 |
| 61764 | Livingston County | 246 | $1.8M | 2008 151 |
| 60191 | DuPage County | 244 | $3.7M | 1987 61 |
| 61350 | LaSalle County | 241 | $4.4M | 1997 41 |
| 60428 | Cook County | 240 | $691K | 1982 56 |
| 61604 | Peoria County | 212 | $3.2M | 2013 35 |
| 60090 | Cook County | 208 | $1.5M | 1982 35 |
| 60505 | Kane County | 208 | $2.9M | 1996 99 |
| 62959 | Williamson County | 208 | $1.9M | 1996 36 |
| 60411 | Cook County | 204 | $428K | 1982 30 |
| 60450 | Grundy County | 203 | $4.5M | 2013 49 |
| 61615 | Peoria County | 203 | $2.2M | 1982 40 |
| 60073 | Lake County | 200 | $1.3M | 2017 48 |
| 60546 | Cook County | 197 | $4.2M | 2008 62 |
| 62045 | Calhoun County | 197 | $2.3M | 1993 47 |
| 60115 | DeKalb County | 196 | $2.1M | 2007 50 |
| 62205 | St. Clair County | 196 | $576K | 1995 27 |
| 61562 | Peoria County | 188 | $1.6M | 1982 55 |
| 60050 | McHenry County | 185 | $1.2M | 2013 29 |
| 60041 | Lake County | 183 | $2.0M | 2017 50 |
| 61241 | Henry County | 180 | $952K | 1979 42 |
| 60056 | Cook County | 177 | $1.1M | 1987 38 |
| 62206 | St. Clair County | 177 | $923K | 1993 49 |
| 60176 | Cook County | 172 | $1.3M | 2008 40 |
| 62239 | St. Clair County | 172 | $172K | 1993 154 |
| 60187 | DuPage County | 171 | $974K | 2013 30 |
| 62343 | Pike County | 170 | $4.9M | 1993 151 |
| 62957 | Alexander County | 168 | $824K | 1979 36 |
| 62301 | Adams County | 162 | $3.5M | 1993 56 |
| 60081 | McHenry County | 160 | $1.0M | 2013 29 |
| 60048 | Lake County | 158 | $1.9M | 1986 60 |
| 60441 | Will County | 156 | $1.1M | 1982 40 |
| 60178 | DeKalb County | 155 | $1.6M | 2007 27 |
| 61021 | Lee County | 155 | $987K | 1985 27 |
| 62330 | Hancock County | 153 | $2.2M | 2008 57 |
| 62002 | Madison County | 152 | $1.8M | 1979 36 |
| 62644 | Mason County | 152 | $792K | 1993 112 |
| 60106 | DuPage County | 150 | $3.9M | 1987 20 |
| 60010 | McHenry County | 149 | $1.3M | 2013 30 |
| 61257 | Rock Island County | 149 | $873K | 1997 49 |
| 60445 | Cook County | 148 | $299K | 1981 21 |
| 60120 | Kane County | 144 | $1.7M | 2008 49 |
| 60091 | Cook County | 143 | $451K | 1981 24 |
| 60171 | Cook County | 143 | $3.0M | 2008 45 |
| 62665 | Morgan County | 143 | $391K | 1979 36 |
| 60188 | DuPage County | 142 | $2.2M | 2008 57 |
| 60422 | Cook County | 142 | $516K | 1982 31 |
| 60035 | Lake County | 141 | $565K | 1982 26 |
| 62305 | Adams County | 141 | $4.4M | 2008 42 |
| 60068 | Cook County | 140 | $1.9M | 2013 35 |
| 60538 | Kane County | 140 | $2.9M | 1996 64 |
| 61956 | Douglas County | 139 | $740K | 2015 24 |
| 60544 | Will County | 136 | $3.1M | 1996 43 |
| 61032 | Stephenson County | 134 | $1.6M | 2010 23 |
| 60148 | DuPage County | 133 | $857K | 1987 27 |
| 61061 | Ogle County | 131 | $1.7M | 1996 29 |
| 61111 | Winnebago County | 131 | $1.3M | 1978 59 |
| 60062 | Cook County | 127 | $1.9M | 1987 18 |
| 60031 | Lake County | 125 | $3.9M | 2004 26 |
| 61073 | Winnebago County | 123 | $1.2M | 2008 23 |
| 60513 | Cook County | 122 | $2.2M | 2013 30 |
| 62277 | Randolph County | 114 | $1.8M | 1993 93 |
| 62052 | Jersey County | 112 | $1.1M | 1993 30 |
| 61103 | Winnebago County | 110 | $2.6M | 2008 29 |
| 60540 | DuPage County | 108 | $673K | 1996 23 |
| 60013 | McHenry County | 105 | $1.0M | 2013 22 |
| 62236 | Monroe County | 103 | $2.5M | 1993 89 |
| 60102 | McHenry County | 101 | $526K | 1993 17 |
| 60435 | Will County | 101 | $593K | 1981 29 |
| 60070 | Cook County | 100 | $1.5M | 1987 31 |
| 60440 | Will County | 100 | $1.9M | 1996 23 |
| 62618 | Cass County | 100 | $612K | 1982 25 |
Only ZIP codes with at least 100 paid claims on file appear here. A ZIP missing from this table has a shorter record, not a clean one.