Flood Claims Map

Illinois

Flood insurance claims in Union County, Illinois

FEMA records 109 National Flood Insurance Program claims in Union County, Illinois, since 1978, with $443,119 paid in total. The year with the most claims was 1993, with 43. As of 3 August 2026, 0.9% of homes here had an NFIP policy, and 11.0% of homes in the high-risk flood zone did.

NFIP claims on record109
Total paid$443,119
Claims with a payment86
Homes with NFIP policy0.9%
High-risk zone homes insured11.0%
Residential policies in force46

Claims by year of loss

1978: 119781979: 81980: 01981: 11982: 219821983: 31984: 01985: 01986: 219861987: 01988: 01989: 01990: 019901991: 01992: 01993: 431994: 319941995: 01996: 01997: 51998: 019981999: 22000: 02001: 22002: 220022003: 12004: 12005: 12006: 020062007: 02008: 172009: 02010: 020102011: 52012: 02013: 12014: 020142015: 32016: 32017: 02018: 020182019: 22020: 143

NFIP claims by year of loss, Union County, Illinois

1978: $39419781979: $19,0501980: $01981: $3,1061982: $25,95719821983: $12,5711984: $01985: $01986: $29,73119861987: $01988: $01989: $01990: $019901991: $01992: $01993: $14,3801994: $019941995: $01996: $01997: $20,9631998: $019981999: $10,7002000: $02001: $02002: $3,51720022003: $4,2182004: $02005: $02006: $020062007: $02008: $188,0552009: $02010: $020102011: $25,7282012: $02013: $5,9222014: $020142015: $6,9732016: $6,1932017: $02018: $020182019: $65,6612020: $0$188,055

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

Named flood events with the most claims

Event (FEMA name)Claims
Midwest Flooding35
March storm12
Mid-spring storms4
Early winter storms3
Flooding1

ZIP codes with the most claims

ZIP code (as reported)Claims
6299862
6295228
629575
629064
629613
629422
629202
629262

94 of the claims were on properties rated in a high-risk flood zone (zones starting A or V). Building $382,548, contents $60,571, increased cost of compliance $0.

Flood insurance take-up

HomesWith NFIP policyShare
High-risk flood zone3994411.0%
All homes5,173460.9%

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.