Flood insurance claims in Mercer County, Illinois

FEMA records 61 National Flood Insurance Program claims in Mercer County, Illinois, since 1979, with $1.4 million paid in total. The year with the most claims was 1993, with 32. As of 3 August 2026, 0.2% of homes here had an NFIP policy, and 13.3% of homes in the high-risk flood zone did.

NFIP claims on record61

Total paid$1.4 million

Claims with a payment54

Homes with NFIP policy0.2%

High-risk zone homes insured13.3%

Residential policies in force15

Claims by year of loss

NFIP claims by year of loss, Mercer County, Illinois

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

Named flood events with the most claims

Event (FEMA name)	Claims
Midwest Flooding	29
Mid-spring storms	1
Hurricane Ike	1

ZIP codes with the most claims

ZIP code (as reported)	Claims
61442	47
61486	8
61231	3
61272	1
61476	1

47 of the claims were on properties rated in a high-risk flood zone (zones starting A or V). Building $1.3 million, contents $63,416, increased cost of compliance $0.

Flood insurance take-up

	Homes	With NFIP policy	Share
High-risk flood zone	83	11	13.3%
All homes	6,099	15	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.