Flood Claims Map

Illinois

Flood insurance claims in McDonough County, Illinois

FEMA records 16 National Flood Insurance Program claims in McDonough County, Illinois, since 1978, with $132,983 paid in total. The year with the most claims was 1982, with 3. As of 3 August 2026, 0.1% of homes here had an NFIP policy.

NFIP claims on record16
Total paid$132,983
Claims with a payment15
Homes with NFIP policy0.1%
High-risk zone homes insuredn/a
Residential policies in force8

Claims by year of loss

1978: 119781979: 11980: 01981: 219811982: 31983: 11984: 019841985: 01986: 01987: 019871988: 01989: 01990: 019901991: 01992: 01993: 219931994: 01995: 01996: 019961997: 01998: 01999: 019992000: 02001: 12002: 020022003: 02004: 02005: 020052006: 02007: 02008: 220082009: 12010: 02011: 020112012: 02013: 23

NFIP claims by year of loss, McDonough County, Illinois

1978: $36919781979: $1,1321980: $01981: $43819811982: $2,7051983: $2501984: $019841985: $01986: $01987: $019871988: $01989: $01990: $019901991: $01992: $01993: $35,60619931994: $01995: $01996: $019961997: $01998: $01999: $019992000: $02001: $8,0082002: $020022003: $02004: $02005: $020052006: $02007: $02008: $10,67220082009: $10,6582010: $02011: $020112012: $02013: $63,145$63,145

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

Named flood events with the most claims

Event (FEMA name)Claims
Midwest Flooding2
Mid-spring storms2

ZIP codes with the most claims

ZIP code (as reported)Claims
614227
614206
614402
623741

3 of the claims were on properties rated in a high-risk flood zone (zones starting A or V). Building $109,024, contents $23,959, increased cost of compliance $0.

Flood insurance take-up

HomesWith NFIP policyShare
High-risk flood zone02n/a
All homes9,84580.1%

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.