Flood insurance claims in Cumberland County, Illinois

FEMA records 2 National Flood Insurance Program claims in Cumberland County, Illinois, since 1999, with $12,611 paid in total. There was 1 claim in each of 1999 and 2000. As of 3 August 2026, 0.0% of homes here had an NFIP policy, and 2.8% of homes in the high-risk flood zone did.

NFIP claims on record2

Total paid$12,611

Claims with a payment2

Homes with NFIP policy0.0%

High-risk zone homes insured2.8%

Residential policies in force2

Claims by year of loss

NFIP claims by year of loss, Cumberland County, Illinois

Paid on claims by year of loss (building, contents and increased cost of compliance), Cumberland County, Illinois

ZIP codes with the most claims

ZIP code (as reported)	Claims
62447	1
62440	1

1 of the claims was on properties rated in a high-risk flood zone (zones starting A or V). Building $11,971, contents $640, increased cost of compliance $0.

Flood insurance take-up

	Homes	With NFIP policy	Share
High-risk flood zone	36	1	2.8%
All homes	4,864	2	0.0%

FEMA counts residential structures and NFIP residential policies in force as of 3 August 2026. Private flood policies are not counted. A share is shown as n/a where FEMA counts no homes or more policies than homes.

Flood insurance basics. Most standard homeowners policies do not cover flood damage. NFIP policies are sold through insurance agents and through FEMA's FloodSmart site, which also explains waiting periods (usually 30 days before cover starts). Check your property's flood zone on the FEMA Flood Map Service Center.

Sources

Checked 29 October 2026. Claims are NFIP claims only. Private flood insurance claims and uninsured losses are not included. Recent events can take months to be fully reflected.