Flood Claims Map

Illinois

Flood insurance claims in McHenry County, Illinois

FEMA records 987 National Flood Insurance Program claims in McHenry County, Illinois, since 1978, with $7.6 million paid in total. The year with the most claims was 2013, with 165. As of 3 August 2026, 0.7% of homes here had an NFIP policy, and 19.4% of homes in the high-risk flood zone did.

NFIP claims on record987
Total paid$7.6 million
Claims with a payment726
Homes with NFIP policy0.7%
High-risk zone homes insured19.4%
Residential policies in force764

Claims by year of loss

1978: 2919781979: 1151980: 21981: 21982: 2419821983: 121984: 11985: 41986: 8619861987: 21988: 01989: 11990: 519901991: 31992: 11993: 1041994: 1919941995: 11996: 151997: 41998: 119981999: 432000: 252001: 42002: 320022003: 22004: 212005: 02006: 020062007: 912008: 222009: 112010: 720102011: 22012: 02013: 1652014: 220142015: 62016: 12017: 912018: 820182019: 42020: 102021: 12022: 220222023: 12024: 22025: 02026: 322026165

NFIP claims by year of loss, McHenry County, Illinois

1978: $23,57219781979: $191,7641980: $01981: $1,6671982: $22,51519821983: $7,3401984: $01985: $6721986: $376,32819861987: $12,6641988: $01989: $9941990: $9,05619901991: $3,5381992: $01993: $604,4891994: $121,33419941995: $6,1951996: $82,6041997: $18,3021998: $4,18119981999: $216,5982000: $103,7382001: $14,4342002: $020022003: $4,3492004: $121,6322005: $02006: $020062007: $789,3822008: $89,0622009: $140,5672010: $23,23120102011: $7,7912012: $02013: $2.4 million2014: $1,08520142015: $6,3612016: $02017: $1.3 million2018: $40,91820182019: $68,2122020: $147,2922021: $02022: $020222023: $02024: $3,6962025: $02026: $605,7052026$2.4 million

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

Named flood events with the most claims

Event (FEMA name)Claims
Mid-spring storms135
Flooding101
Midwest Flooding45
Tropical Storm Erin4
Hurricane Ike3
March storm1

ZIP codes with the most claims

ZIP code (as reported)Claims
60051243
60050157
6001499
6008195
6010283
6001071
6001357
6002146
6015631
6009824

687 of the claims were on properties rated in a high-risk flood zone (zones starting A or V). Building $7.1 million, contents $508,510, increased cost of compliance $60,000.

Flood insurance take-up

HomesWith NFIP policyShare
High-risk flood zone3,21862519.4%
All homes112,8097640.7%

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.