Home insurance costs & natural hazards in Illinois
Plain facts for Illinois homeowners: what coverage has cost across the state, what flood insurance runs, and which natural hazards matter in each county.
See the numbersHistorical averages, not a quote. Updated Oct 2026.
Illinois at a glance
Four numbers most homeowners ask about first.
Median ZIP code, per policy per year in 2022 (inflation-adjusted).
Single-family NFIP policies that took effect in 2025.
Median ZIP in 2022. Typical U.S. ZIP: 0.81%.
Counties FEMA rates relatively high or very high on its overall National Risk Index.
What homeowners in Illinois pay
Each block pairs a short explanation with the data behind it.
Homeowners insurance
The typical Illinois ZIP code saw homeowners premiums of $1,563 per policy in 2022, about the same as the typical U.S. ZIP code ($1,551). After adjusting for inflation, that figure rose 15% between 2018 and 2022. The figures come from 1,193 Illinois ZIP codes in Treasury's data.
Typical premium per policy
Flood insurance
Standard home policies don't cover floods. 19,859 single-family NFIP policies took effect in Illinois in 2025, at an average full cost of $1,277, compared with $1,143 in 2022. About 67% of those policies are for homes in high-risk A or V zones.
Average flood policy cost
Policies by flood zone, 2025
Natural hazards
Bars count how many of Illinois's 102 counties FEMA rates relatively high or very high for each hazard. The most widespread are strong wind, cold wave and winter weather. Open any county for its full hazard profile.
Hazards across Illinois's counties
Illinois counties
All 102 counties: typical premium (2022), average flood policy (2025) and FEMA's overall risk rating.
Typical home premium by county, 2022
| County | Premium | Flood | FEMA rating |
|---|---|---|---|
| Adams County | $1,516 | $1,202 | Relatively Low |
| Alexander County | $1,774 | $1,097 | Relatively Low |
| Bond County | $1,489 | — | Very Low |
| Boone County | $1,680 | $1,237 | Relatively Low |
| Brown County | $1,457 | — | Very Low |
| Bureau County | $1,505 | $1,085 | Relatively Low |
| Calhoun County | $1,564 | $1,070 | Very Low |
| Carroll County | $1,426 | $917 | Very Low |
| Cass County | $1,500 | $1,100 | Very Low |
| Champaign County | $1,457 | $1,219 | Relatively Moderate |
| Christian County | $1,556 | $1,135 | Relatively Low |
| Clark County | $1,583 | — | Very Low |
| Clay County | $1,469 | — | Very Low |
| Clinton County | $1,658 | $1,124 | Relatively Low |
| Coles County | $1,442 | $1,214 | Relatively Low |
| Cook County | $1,643 | $1,245 | Very High |
| Crawford County | $1,506 | $1,063 | Very Low |
| Cumberland County | $1,473 | — | Very Low |
| De Witt County | $1,524 | $1,174 | Very Low |
| DeKalb County | $1,539 | $1,522 | Relatively Low |
| Douglas County | $1,478 | $1,646 | Relatively Low |
| DuPage County | $1,637 | $1,101 | Relatively High |
| Edgar County | $1,504 | $1,239 | Very Low |
| Edwards County | $1,542 | — | Very Low |
| Effingham County | $1,545 | $1,304 | Relatively Low |
| Fayette County | $1,452 | — | Relatively Low |
| Ford County | $1,394 | — | Very Low |
| Franklin County | $1,666 | $858 | Relatively Low |
| Fulton County | $1,501 | $1,389 | Relatively Low |
| Gallatin County | $1,728 | $1,161 | Very Low |
| Greene County | $1,600 | — | Very Low |
| Grundy County | $1,672 | $1,825 | Relatively Low |
| Hamilton County | $1,752 | — | Very Low |
| Hancock County | $1,506 | $1,090 | Very Low |
| Hardin County | $1,659 | — | Very Low |
| Henderson County | $1,473 | $1,289 | Very Low |
| Henry County | $1,502 | $1,063 | Relatively Low |
| Iroquois County | $1,532 | $1,424 | Relatively Low |
| Jackson County | $1,680 | $1,337 | Relatively Moderate |
| Jasper County | $1,551 | — | Very Low |
| Jefferson County | $1,602 | $910 | Relatively Low |
| Jersey County | $1,577 | $1,748 | Very Low |
| Jo Daviess County | $1,543 | $1,210 | Relatively Low |
| Johnson County | $1,797 | — | Relatively Low |
| Kane County | $1,685 | $1,458 | Relatively High |
| Kankakee County | $1,498 | $2,061 | Relatively Moderate |
| Kendall County | $1,696 | $1,505 | Relatively Low |
| Knox County | $1,448 | $1,112 | Relatively Low |
| LaSalle County | $1,536 | $1,391 | Relatively Moderate |
| Lake County | $1,669 | $1,296 | Relatively High |
| Lawrence County | $1,560 | $1,160 | Relatively Low |
| Lee County | $1,549 | $1,300 | Relatively Low |
| Livingston County | $1,560 | $1,567 | Relatively Low |
| Logan County | $1,561 | $1,030 | Relatively Low |
| Macon County | $1,468 | $1,578 | Relatively Moderate |
| Macoupin County | $1,669 | $694 | Relatively Low |
| Madison County | $1,699 | $1,255 | Relatively Moderate |
| Marion County | $1,504 | $1,304 | Relatively Low |
| Marshall County | $1,473 | $992 | Very Low |
| Mason County | $1,481 | $1,209 | Relatively Low |
| Massac County | $1,798 | $798 | Relatively Low |
| McDonough County | $1,455 | — | Very Low |
| McHenry County | $1,672 | $1,550 | Relatively Moderate |
| McLean County | $1,494 | $1,279 | Relatively Moderate |
| Menard County | $1,606 | $1,052 | Very Low |
| Mercer County | $1,480 | $1,469 | Very Low |
| Monroe County | $1,763 | $1,262 | Very Low |
| Montgomery County | $1,537 | — | Relatively Low |
| Morgan County | $1,490 | $1,354 | Relatively Low |
| Moultrie County | $1,470 | $996 | Relatively Low |
| Ogle County | $1,499 | $1,412 | Relatively Low |
| Peoria County | $1,626 | $1,215 | Relatively Moderate |
| Perry County | $1,575 | — | Relatively Low |
| Piatt County | $1,503 | $1,285 | Very Low |
| Pike County | $1,466 | $1,189 | Very Low |
| Pope County | $1,747 | — | Very Low |
| Pulaski County | $1,899 | $745 | Relatively Low |
| Putnam County | $1,498 | $1,283 | Very Low |
| Randolph County | $1,546 | $1,053 | Relatively Low |
| Richland County | $1,492 | — | Relatively Low |
| Rock Island County | $1,407 | $999 | Relatively Moderate |
| Saline County | $1,816 | $943 | Relatively Low |
| Sangamon County | $1,660 | $1,198 | Relatively Moderate |
| Schuyler County | $1,425 | — | Very Low |
| Scott County | $1,506 | $1,689 | Very Low |
| Shelby County | $1,403 | — | Relatively Low |
| St. Clair County | $1,729 | $1,105 | Relatively High |
| Stark County | $1,539 | — | Very Low |
| Stephenson County | $1,392 | $1,390 | Relatively Low |
| Tazewell County | $1,619 | $1,179 | Relatively Moderate |
| Union County | $1,812 | $1,075 | Relatively Low |
| Vermilion County | $1,603 | $1,266 | Relatively Low |
| Wabash County | $1,601 | — | Very Low |
| Warren County | $1,541 | $713 | Very Low |
| Washington County | $1,729 | — | Relatively Low |
| Wayne County | $1,479 | $771 | Very Low |
| White County | $1,540 | $901 | Relatively Low |
| Whiteside County | $1,353 | $929 | Relatively Low |
| Will County | $1,649 | $1,450 | Relatively High |
| Williamson County | $1,761 | $912 | Relatively Moderate |
| Winnebago County | $1,445 | $1,705 | Relatively Moderate |
| Woodford County | $1,593 | $1,069 | Very Low |
ZIP codes with the most flood policies
Practical next steps
Simple things Illinois homeowners can do with this information.
Historical averages, not a quote. Homeowners figures are inflation-adjusted averages from the U.S. Treasury Federal Insurance Office "Supporting Underlying Metrics" (2018–2022, published January 2025). They cover HO-3/HO-5 policies from participating private insurers and exclude state residual-market plans (such as FAIR plans and Citizens), surplus-lines and flood coverage. Treasury notes that individual ZIP codes can contain data anomalies. Your price depends on your home, coverage and insurer.
Sources: U.S. Treasury FIO; FEMA OpenFEMA NFIP Redacted Policies v3 (data as of Sep 8, 2026); FEMA National Risk Index (December 2025); U.S. Census Bureau ZCTA-to-county relationship file (2020) and county adjacency file; GeoNames place names. How we calculate these numbers.
This product uses the FEMA OpenFEMA API and National Risk Index data, but is not endorsed by FEMA. The Federal Government or FEMA cannot vouch for the data or analyses derived from these data after the data have been retrieved from the Agency's website(s). SafeHomeFacts is independent and not affiliated with the U.S. Treasury, FEMA or any insurer.