Flood Claims Map

Illinois

Flood insurance claims in Montgomery County, Illinois

FEMA records 22 National Flood Insurance Program claims in Montgomery County, Illinois, since 1979, with $288,054 paid in total. The most claims in one year was 3, in 1982 and 2008. As of 3 August 2026, 0.0% of homes here had an NFIP policy.

NFIP claims on record22
Total paid$288,054
Claims with a payment18
Homes with NFIP policy0.0%
High-risk zone homes insuredn/a
Residential policies in force3

Claims by year of loss

1979: 219791980: 11981: 01982: 319821983: 21984: 01985: 119851986: 01987: 01988: 019881989: 01990: 01991: 019911992: 01993: 21994: 019941995: 01996: 01997: 019971998: 01999: 02000: 020002001: 22002: 22003: 020032004: 02005: 02006: 020062007: 02008: 32009: 020092010: 22011: 02012: 020122013: 02014: 02015: 220153

NFIP claims by year of loss, Montgomery County, Illinois

1979: $12,68319791980: $01981: $01982: $1,37919821983: $4,5841984: $01985: $3,30619851986: $01987: $01988: $019881989: $01990: $01991: $019911992: $01993: $16,5011994: $019941995: $01996: $01997: $019971998: $01999: $02000: $020002001: $1,9602002: $43,7142003: $020032004: $02005: $02006: $020062007: $02008: $146,6912009: $020092010: $23,0242011: $02012: $020122013: $02014: $02015: $34,2112015$146,691

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

Named flood events with the most claims

Event (FEMA name)Claims
Flooding3
Early winter storms2
Hurricane Ike2

ZIP codes with the most claims

ZIP code (as reported)Claims
620499
620565
620324
620942
620311
625601

9 of the claims were on properties rated in a high-risk flood zone (zones starting A or V). Building $203,442, contents $54,611, increased cost of compliance $30,000.

Flood insurance take-up

HomesWith NFIP policyShare
High-risk flood zone01n/a
All homes13,66530.0%

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.