Illinois Home-Insurance Distress by County

Home-insurance distress across Illinois is below the national norm: 102 counties average 11/100, 47th of 52 states.

1 of Illinois's 102 counties score 70 or higher (severe).

Illinois's reading rests on a FEMA hazard average of 4/100 and NFIP flood-claim stress of 26/100.

Over three years Illinois counties filed 655 NFIP flood claims, $10,253,959 paid.

Highest in Illinois: Winnebago County 71/100 (#600 US), St. Clair County 69/100 (#651 US), Will County 68/100 (#682 US), Cook County 68/100 (#694 US), Washington County 62/100 (#845 US).

Illinois counties by insurance band: 59 zero (Illinois), 37 low, 6 medium; Illinois NFIP claims, three years: 655; Illinois payouts $10.3 million.

Illinois counties with the most NFIP claims: Cook 175 ($821,672); St. Clair 131 ($1.5 million); Lake 70 ($1.8 million) in Illinois; Winnebago 52 ($1.6 million); Dupage 44 ($888,104).

Illinois county average rose: 9.6 in March 2026; Illinois reads 11.1 in October 2026; Illinois by month: March 9.6, April 9.6, May 9.6 (Illinois), June 9.6, July 10.1, August 9.4 (Illinois), September 9.4, October 11.1.

Highest Illinois ZIPs, insurance distress: 33950 81 (climate 94), 33955 81 (climate 94) in Illinois, 33983 81 (climate 94), 33982 81 (climate 94) in Illinois, 33954 81 (climate 94), 33947 81 (climate 94) in Illinois.

Reading the Illinois bands: 0 of 102 Illinois counties sit in a high or worse insurance band; Illinois filed 655 NFIP claims in three years, $10.3 million paid to Illinois policyholders; a Illinois county's band moves when FEMA hazard revisions, new Illinois NFIP settlements or carrier filings change its monthly score.