Flood insurance claims in Ogle County, Illinois

FEMA records 308 National Flood Insurance Program claims in Ogle County, Illinois, since 1978, with $3.5 million paid in total. The year with the most claims was 1996, with 75. As of 3 August 2026, 0.7% of homes here had an NFIP policy, and 25.8% of homes in the high-risk flood zone did.

NFIP claims on record308

Total paid$3.5 million

Claims with a payment252

Homes with NFIP policy0.7%

High-risk zone homes insured25.8%

Residential policies in force140

Claims by year of loss

NFIP claims by year of loss, Ogle County, Illinois

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

Named flood events with the most claims

Event (FEMA name)	Claims
Flooding	61
Mid-spring storms	16
Midwest Flooding	1

ZIP codes with the most claims

ZIP code (as reported)	Claims
61061	128
61068	53
61010	52
61021	39
61047	14
61054	5
61049	4
61084	4
61102	2
61064	2

230 of the claims were on properties rated in a high-risk flood zone (zones starting A or V). Building $3.0 million, contents $338,684, increased cost of compliance $236,194.

Flood insurance take-up

	Homes	With NFIP policy	Share
High-risk flood zone	454	117	25.8%
All homes	18,740	140	0.7%

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

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.