Flood insurance claims in Fulton County, Illinois

FEMA records 369 National Flood Insurance Program claims in Fulton County, Illinois, since 1979, with $2.8 million paid in total. The year with the most claims was 1982, with 108. As of 3 August 2026, 0.2% of homes here had an NFIP policy, and 11.8% of homes in the high-risk flood zone did.

NFIP claims on record369

Total paid$2.8 million

Claims with a payment319

Homes with NFIP policy0.2%

High-risk zone homes insured11.8%

Residential policies in force25

Claims by year of loss

NFIP claims by year of loss, Fulton County, Illinois

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

Named flood events with the most claims

Event (FEMA name)	Claims
Flooding	100
Midwest Flooding	19
Mid-spring storms	16

ZIP codes with the most claims

ZIP code (as reported)	Claims
61543	239
61441	45
61520	18
61544	14
61542	14
61531	6
61252	5
62356	4
61477	3
61415	1

295 of the claims were on properties rated in a high-risk flood zone (zones starting A or V). Building $2.3 million, contents $419,392, increased cost of compliance $77,050.

Flood insurance take-up

	Homes	With NFIP policy	Share
High-risk flood zone	161	19	11.8%
All homes	14,092	25	0.2%

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.