Flood Claims Map

Illinois

Flood insurance claims in Winnebago County, Illinois

FEMA records 1,729 National Flood Insurance Program claims in Winnebago County, Illinois, since 1978, with $27.3 million paid in total. The year with the most claims was 2008, with 328. As of 3 August 2026, 0.6% of homes here had an NFIP policy, and 25.2% of homes in the high-risk flood zone did.

NFIP claims on record1,729
Total paid$27.3 million
Claims with a payment1,403
Homes with NFIP policy0.6%
High-risk zone homes insured25.2%
Residential policies in force585

Claims by year of loss

1978: 19419781979: 1091980: 51981: 461982: 2219821983: 91984: 51985: 161986: 619861987: 11988: 321989: 11990: 019901991: 01992: 31993: 721994: 719941995: 11996: 511997: 61998: 519981999: 112000: 742001: 32002: 820022003: 12004: 52005: 02006: 15320062007: 2082008: 3282009: 112010: 4420102011: 02012: 02013: 542014: 220142015: 42016: 12017: 262018: 3520182019: 1132020: 12021: 22022: 220222023: 02024: 502025: 12026: 12026328

NFIP claims by year of loss, Winnebago County, Illinois

1978: $355,81219781979: $215,8921980: $15,4001981: $71,2701982: $47,17819821983: $4,2331984: $2,3561985: $19,2431986: $5,24619861987: $01988: $87,3821989: $12,3971990: $019901991: $01992: $2,1551993: $332,7751994: $14,88219941995: $01996: $411,1141997: $24,8461998: $6,66619981999: $97,5092000: $460,5532001: $6,2222002: $127,69520022003: $02004: $8,8762005: $02006: $3.8 million20062007: $4.8 million2008: $9.2 million2009: $21,1302010: $661,27620102011: $02012: $02013: $422,3442014: $1,83120142015: $38,7602016: $02017: $425,0302018: $638,74420182019: $3.4 million2020: $492021: $02022: $24,99520222023: $02024: $1.6 million2025: $2,6282026: $02026$9.2 million

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

Named flood events with the most claims

Event (FEMA name)Claims
Flooding78
Mid-spring storms40
Midwest Flooding32
Tropical Storm Erin2
Hurricane Ike1

ZIP codes with the most claims

ZIP code (as reported)Claims
61115575
61104351
61111130
61073123
61103110
6110998
6110868
6110266
6110755
6110150

1,199 of the claims were on properties rated in a high-risk flood zone (zones starting A or V). Building $24.0 million, contents $2.7 million, increased cost of compliance $633,283.

Flood insurance take-up

HomesWith NFIP policyShare
High-risk flood zone2,02050925.2%
All homes102,2765850.6%

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.