Flood insurance cost in Illinois
In Illinois, the lowest private flood insurance quote ran $477 a year and the typical private quote ran $1,017. The NFIP quote ran $1,698.
Private and NFIP quotes compared
Where a property was quoted both ways, the lowest private quote came in a median 74% below the NFIP quote, and private was the cheaper option for 92% of those 77 properties. The typical private quote came in 53% below NFIP.
Median annual premiums from 843 carrier quotes. Lowest is the cheapest private quote a property received, typical is the middle one.
By flood zone and property type
| Group | Lowest private | Typical private | NFIP | Carrier quotes |
|---|---|---|---|---|
| Zone A, AE, AH and AO (high risk) | $601 | $1,345 | $2,335 | 578 |
| Residential properties | $462 | $995 | $1,634 | 793 |
How quotes have moved since 2020
- Lowest private quote$330 in 2026
- Typical private quote$664 in 2026
- NFIP quote$1,603 in 2026
Dashed lines span years with too few quotes to report a figure.
* 2026 is still in progress and runs through the latest update.
| Year | Lowest private | Typical private | NFIP | Carrier quotes |
|---|---|---|---|---|
| 2020 | $916 | $1,470 | $3,160 | 468 |
| 2021 | $728 | $1,462 | $2,594 | 482 |
| 2022 | $1,163 | $1,510 | n/a | 104 |
| 2025 | $536 | $1,210 | $1,741 | 368 |
| 2026* | $330 | $664 | $1,603 | 395 |
See what your property is quoted
The index is a median. Your price depends on your flood zone, elevation and coverage. Compare NFIP and private carriers for your address.
Common questions
- How much does flood insurance cost in Illinois?
- From Oct 2024 to Oct 2026, the typical private flood insurance quote in Illinois was $1,017 a year and the lowest private quote a property received was $477. NFIP quotes ran $1,698. These are medians of quotes run through Insurox, not premiums paid, and your own price depends on your property.
- Is private flood insurance cheaper than NFIP in Illinois?
- Where a property was quoted both ways, the lowest private quote came in a median 74% below the NFIP quote, and private was the cheaper option for 92% of those 77 properties. The typical private quote came in 53% below NFIP.
- Where do these numbers come from?
- From 843 carrier quotes returned to property owners who asked for flood insurance quotes through Insurox between Oct 2024 to Oct 2026. A place is only published when at least 20 different properties were quoted there.
More about flood insurance in Illinois
- Flood insurance in Illinois: what it covers, who needs it and how to get quotes.
- NFIP (FEMA) flood insurance
- Private flood insurance
- Commercial flood insurance
These figures are statistics about quotes, not an offer of insurance. Read how the index is calculated or go back to the national index.