Flood Claims Map

Illinois

Flood insurance claims in Franklin County, Illinois

FEMA records 60 National Flood Insurance Program claims in Franklin County, Illinois, since 1979, with $549,037 paid in total. The year with the most claims was 2008, with 11. As of 3 August 2026, 0.3% of homes here had an NFIP policy, and 10.0% of homes in the high-risk flood zone did.

NFIP claims on record60
Total paid$549,037
Claims with a payment45
Homes with NFIP policy0.3%
High-risk zone homes insured10.0%
Residential policies in force48

Claims by year of loss

1979: 319791980: 41981: 21982: 61983: 519831984: 01985: 01986: 01987: 119871988: 01989: 01990: 11991: 319911992: 01993: 01994: 11995: 019951996: 81997: 01998: 11999: 019992000: 02001: 02002: 22003: 020032004: 02005: 02006: 12007: 020072008: 112009: 12010: 02011: 220112012: 02013: 02014: 02015: 120152016: 02017: 52018: 02019: 020192020: 12021: 111

NFIP claims by year of loss, Franklin County, Illinois

1979: $6,26919791980: $1,4651981: $8271982: $9,6331983: $14,52119831984: $01985: $01986: $01987: $019871988: $01989: $01990: $1,3481991: $7,93419911992: $01993: $01994: $01995: $019951996: $196,0131997: $01998: $01999: $019992000: $02001: $02002: $02003: $020032004: $02005: $02006: $02007: $020072008: $163,4572009: $02010: $02011: $17,32520112012: $02013: $02014: $02015: $17,87020152016: $02017: $106,2072018: $02019: $020192020: $6,1672021: $0$196,013

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

Named flood events with the most claims

Event (FEMA name)Claims
March storm10
Flooding5
Mid-spring storms2
Early winter storms1

ZIP codes with the most claims

ZIP code (as reported)Claims
6289654
628222
628121
629831

23 of the claims were on properties rated in a high-risk flood zone (zones starting A or V). Building $460,406, contents $88,630, increased cost of compliance $0.

Flood insurance take-up

HomesWith NFIP policyShare
High-risk flood zone3393410.0%
All homes17,198480.3%

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

  1. FEMA, OpenFEMA FIMA NFIP Redacted Claims (v2 dataset, API v3 NfipClaims), 2,725,989 claim records, retrieved 29 October 2026
  2. FEMA, OpenFEMA NFIP Residential Penetration Rates, as of 3 August 2026

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.