Flood Claims Map

Illinois

Flood insurance claims in Whiteside County, Illinois

FEMA records 287 National Flood Insurance Program claims in Whiteside County, Illinois, since 1978, with $2.3 million paid in total. The year with the most claims was 1993, with 40. As of 3 August 2026, 0.7% of homes here had an NFIP policy, and 24.2% of homes in the high-risk flood zone did.

NFIP claims on record287
Total paid$2.3 million
Claims with a payment223
Homes with NFIP policy0.7%
High-risk zone homes insured24.2%
Residential policies in force158

Claims by year of loss

1978: 219781979: 231980: 01981: 31982: 819821983: 51984: 21985: 71986: 1419861987: 01988: 41989: 01990: 219901991: 01992: 01993: 401994: 1319941995: 01996: 41997: 231998: 119981999: 02000: 22001: 362002: 2020022003: 02004: 02005: 02006: 020062007: 22008: 82009: 32010: 120102011: 92012: 02013: 62014: 120142015: 02016: 22017: 12018: 620182019: 282020: 02021: 02022: 020222023: 92024: 12025: 02026: 1202640

NFIP claims by year of loss, Whiteside County, Illinois

1978: $3,97119781979: $10,2871980: $01981: $1,2871982: $37,67419821983: $16,9551984: $6311985: $14,0661986: $10,20619861987: $01988: $27,2831989: $01990: $019901991: $01992: $01993: $330,2941994: $138,82319941995: $01996: $19,0041997: $221,0301998: $019981999: $02000: $1,5242001: $576,8572002: $221,36320022003: $02004: $02005: $02006: $020062007: $7,6302008: $22,8532009: $66,4212010: $1,52920102011: $109,6602012: $02013: $82,6212014: $4,96320142015: $02016: $7,2632017: $10,8362018: $48,44220182019: $219,7232020: $02021: $02022: $020222023: $73,0142024: $10,1472025: $02026: $02026$576,857

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

Named flood events with the most claims

Event (FEMA name)Claims
Midwest Flooding33
Flooding22
Mid-spring storms14
Hurricane Ike2

ZIP codes with the most claims

ZIP code (as reported)Claims
6125287
6123058
6108134
6125032
6127023
6107119
6127712
616036
623535
601752

184 of the claims were on properties rated in a high-risk flood zone (zones starting A or V). Building $2.0 million, contents $179,423, increased cost of compliance $121,328.

Flood insurance take-up

HomesWith NFIP policyShare
High-risk flood zone54913324.2%
All homes21,8991580.7%

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

  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.