Flood Claims Map

Illinois

Flood insurance claims in St. Clair County, Illinois

FEMA records 1,469 National Flood Insurance Program claims in St. Clair County, Illinois, since 1978, with $7.8 million paid in total. The year with the most claims was 1993, with 299. As of 3 August 2026, 1.0% of homes here had an NFIP policy.

NFIP claims on record1,469
Total paid$7.8 million
Claims with a payment1,011
Homes with NFIP policy1.0%
High-risk zone homes insuredn/a
Residential policies in force1,007

Claims by year of loss

1978: 1219781979: 551980: 81981: 71982: 2019821983: 161984: 41985: 41986: 1419861987: 61988: 21989: 11990: 1119901991: 01992: 01993: 2991994: 2919941995: 1481996: 2111997: 31998: 3319981999: 122000: 122001: 12002: 1620022003: 142004: 142005: 122006: 620062007: 22008: 462009: 42010: 2220102011: 302012: 62013: 412014: 320142015: 472016: 132017: 132018: 1520182019: 72020: 72021: 12022: 9820222023: 132024: 1142025: 142026: 32026299

NFIP claims by year of loss, St. Clair County, Illinois

1978: $14,36119781979: $148,0271980: $1,2651981: $3,9541982: $34,74019821983: $15,4011984: $01985: $01986: $133,08919861987: $01988: $2,6691989: $01990: $27,25219901991: $01992: $01993: $517,0001994: $26,98119941995: $478,3151996: $1.1 million1997: $1,5681998: $76,14619981999: $30,5472000: $249,5372001: $02002: $22,26220022003: $22,5482004: $28,1522005: $26,5362006: $7,21620062007: $10,0332008: $240,0862009: $16,2712010: $67,40620102011: $121,5762012: $6,7602013: $337,2232014: $10,73720142015: $311,2642016: $79,8612017: $65,7322018: $57,58420182019: $101,1132020: $54,3402021: $02022: $1.7 million20222023: $164,3632024: $1.3 million2025: $157,3442026: $4,0722026$1.7 million

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

Named flood events with the most claims

Event (FEMA name)Claims
Midwest Flooding247
Flooding177
Late July Flooding80
Mid-spring storms37
Hurricane Ike29
March storm13
Early winter storms12
Central U.S. April Flooding5

ZIP codes with the most claims

ZIP code (as reported)Claims
62203283
62205195
62206177
62239172
6220487
6224079
6220176
6223262
6220752
6222048

680 of the claims were on properties rated in a high-risk flood zone (zones starting A or V). Building $6.3 million, contents $1.5 million, increased cost of compliance $0.

Flood insurance take-up

HomesWith NFIP policyShare
High-risk flood zone0685n/a
All homes101,9531,0071.0%

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.