Flood insurance claims in Douglas County, Illinois

FEMA records 209 National Flood Insurance Program claims in Douglas County, Illinois, since 1978, with $1.2 million paid in total. The year with the most claims was 1996, with 29. As of 3 August 2026, 1.2% of homes here had an NFIP policy, and 12.7% of homes in the high-risk flood zone did.

NFIP claims on record209

Total paid$1.2 million

Claims with a payment161

Homes with NFIP policy1.2%

High-risk zone homes insured12.7%

Residential policies in force95

Claims by year of loss

NFIP claims by year of loss, Douglas County, Illinois

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

Named flood events with the most claims

Event (FEMA name)	Claims
Early winter storms	26
Flooding	26
Mid-spring storms	24

ZIP codes with the most claims

ZIP code (as reported)	Claims
61956	137
61953	59
61911	3
61910	2
61942	1
61919	1

173 of the claims were on properties rated in a high-risk flood zone (zones starting A or V). Building $1.0 million, contents $111,772, increased cost of compliance $0.

Flood insurance take-up

	Homes	With NFIP policy	Share
High-risk flood zone	660	84	12.7%
All homes	7,795	95	1.2%

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.