Flood Claims Map

Illinois

Flood insurance claims in Madison County, Illinois

FEMA records 1,087 National Flood Insurance Program claims in Madison County, Illinois, since 1978, with $8.0 million paid in total. The year with the most claims was 1979, with 192. As of 3 August 2026, 0.8% of homes here had an NFIP policy.

NFIP claims on record1,087
Total paid$8.0 million
Claims with a payment816
Homes with NFIP policy0.8%
High-risk zone homes insuredn/a
Residential policies in force824

Claims by year of loss

1978: 2119781979: 1921980: 51981: 101982: 8419821983: 601984: 121985: 151986: 4119861987: 01988: 01989: 11990: 719901991: 11992: 01993: 1161994: 2419941995: 1181996: 151997: 11998: 1819981999: 32000: 52001: 62002: 2120022003: 52004: 32005: 202006: 220062007: 02008: 412009: 152010: 1020102011: 62012: 12013: 222014: 020142015: 552016: 282017: 172018: 120182019: 582020: 52021: 22022: 220222023: 72024: 72025: 4192

NFIP claims by year of loss, Madison County, Illinois

1978: $17,54719781979: $613,0391980: $01981: $22,8451982: $173,24219821983: $106,3631984: $19,5311985: $42,9941986: $252,11519861987: $01988: $01989: $01990: $11,44519901991: $6461992: $01993: $2.0 million1994: $32,98519941995: $510,1861996: $59,8931997: $1,5141998: $24,28819981999: $5,5122000: $23,8692001: $62,6222002: $168,80720022003: $9,1972004: $6,8672005: $54,9552006: $3,47220062007: $02008: $530,8662009: $170,3232010: $30,55120102011: $19,4542012: $4,9912013: $77,3702014: $020142015: $553,7572016: $249,0522017: $53,8322018: $5,44520182019: $1.6 million2020: $330,9202021: $5,3422022: $3,67720222023: $52,8152024: $17,7762025: $690$2.0 million

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

Named flood events with the most claims

Event (FEMA name)Claims
Flooding209
Midwest Flooding87
Early winter storms46
Hurricane Ike19
Mid-spring storms10
March storm5
Central U.S. April Flooding2
Late July Flooding1

ZIP codes with the most claims

ZIP code (as reported)Claims
62040396
62002144
62035108
6209590
6223466
6202564
6202444
6206034
6201024
6204822

540 of the claims were on properties rated in a high-risk flood zone (zones starting A or V). Building $5.8 million, contents $2.0 million, increased cost of compliance $179,975.

Flood insurance take-up

HomesWith NFIP policyShare
High-risk flood zone0517n/a
All homes105,1628240.8%

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.