Flood Claims Map

Illinois

Flood insurance claims in Jo Daviess County, Illinois

FEMA records 343 National Flood Insurance Program claims in Jo Daviess County, Illinois, since 1978, with $3.9 million paid in total. The year with the most claims was 2011, with 72. As of 3 August 2026, 0.3% of homes here had an NFIP policy, and 17.6% of homes in the high-risk flood zone did.

NFIP claims on record343
Total paid$3.9 million
Claims with a payment297
Homes with NFIP policy0.3%
High-risk zone homes insured17.6%
Residential policies in force46

Claims by year of loss

1978: 119781979: 31980: 01981: 01982: 619821983: 161984: 01985: 11986: 2119861987: 01988: 01989: 01990: 019901991: 01992: 01993: 441994: 019941995: 01996: 101997: 461998: 819981999: 62000: 02001: 442002: 520022003: 82004: 62005: 02006: 020062007: 02008: 152009: 02010: 920102011: 722012: 02013: 62014: 420142015: 02016: 02017: 52018: 320182019: 22020: 02021: 02022: 120222023: 172

NFIP claims by year of loss, Jo Daviess County, Illinois

1978: $5,00019781979: $1,7331980: $01981: $01982: $13,15519821983: $20,3521984: $01985: $1001986: $49,72819861987: $01988: $01989: $01990: $019901991: $01992: $01993: $397,4541994: $019941995: $01996: $68,4231997: $374,9911998: $25,91519981999: $126,9812000: $02001: $760,6992002: $37,90620022003: $25,7652004: $33,3342005: $02006: $020062007: $02008: $59,9982009: $02010: $116,40120102011: $1.4 million2012: $02013: $97,5832014: $20,47920142015: $02016: $02017: $199,3132018: $20,45020182019: $13,5312020: $02021: $02022: $020222023: $8,067$1.4 million

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

Named flood events with the most claims

Event (FEMA name)Claims
Midwest Flooding32
Flooding8
Mid-spring storms7

ZIP codes with the most claims

ZIP code (as reported)Claims
61025304
6103629
610537
610411
601251
610281

298 of the claims were on properties rated in a high-risk flood zone (zones starting A or V). Building $3.2 million, contents $651,716, increased cost of compliance $100,000.

Flood insurance take-up

HomesWith NFIP policyShare
High-risk flood zone1252217.6%
All homes16,886460.3%

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.