Data · May 2026 data · 13-month trend
Illinois Flood Insurance Costs
Illinois's flood insurance cost index stood at $912 in May 2026, measured across policies newly written or renewed that month. The state pays less than the country as a whole — 7.1% under the $982 national average. The figure is up 3.6% year over year. 2,680 policies were written or renewed statewide that month; Henry County was the priciest county at $2,780 on average.
What we measure: Average premium among policies newly written or renewed that month (NFIP transactions) — not the official in-force average. OpenFEMA transaction data is published on a lag of roughly two months; the latest period shown reflects that lag.
Key facts — May 2026
- Average premium
- $912
- Avg total cost (with fees)
- $1,173
- Change (year over year)
- +3.6%
- vs national average
- -7.1%
- Policies written or renewed
- 2,680
- Counties reporting
- 81
Illinois trend, last 13 months
Average premium among policies newly written or renewed each month. Bars scale to the highest month shown.
| Month | Avg premium | Premium relative to highest month | Avg total cost | Policies |
|---|---|---|---|---|
| May 2025 | $880 | $1,135 | 2,966 | |
| June 2025 | $853 | $1,097 | 2,987 | |
| July 2025 | $980 | $1,243 | 3,008 | |
| August 2025 | $983 | $1,265 | 2,738 | |
| September 2025 | $942 | $1,208 | 2,760 | |
| October 2025 | $1,165 | $1,489 | 2,356 | |
| November 2025 | $1,191 | $1,521 | 1,928 | |
| December 2025 | $1,017 | $1,299 | 2,286 | |
| January 2026 | $937 | $1,207 | 2,150 | |
| February 2026 | $1,092 | $1,396 | 2,194 | |
| March 2026 | $1,169 | $1,504 | 2,416 | |
| April 2026 | $951 | $1,217 | 3,071 | |
| May 2026 | $912 | $1,173 | 2,680 |
County breakdown — May 2026
Sorted by average premium, highest first. Rows labeled with a FIPS code are reporting areas without a matched county name. Watch the policy count before reading much into small-county averages.
| County | Avg premium | Premium relative to highest county | Avg total cost | Policies |
|---|---|---|---|---|
| Henry County | $2,780 | $3,478 | 9 | |
| Boone County | $1,922 | $2,385 | 5 | |
| Winnebago County | $1,806 | $2,253 | 58 | |
| Jo Daviess County | $1,801 | $2,310 | 4 | |
| Livingston County | $1,713 | $2,149 | 16 | |
| McLean County | $1,633 | $2,081 | 19 | |
| Kankakee County | $1,631 | $2,021 | 27 | |
| Monroe County | $1,558 | $2,015 | 15 | |
| Coles County | $1,536 | $1,930 | 5 | |
| Tazewell County | $1,529 | $1,969 | 12 | |
| Marshall County | $1,525 | $2,040 | 4 | |
| Iroquois County | $1,501 | $1,911 | 20 | |
| Greene County | $1,434 | $1,820 | 4 | |
| Ogle County | $1,415 | $1,847 | 15 | |
| McHenry County | $1,386 | $1,741 | 61 | |
| Douglas County | $1,373 | $1,724 | 14 | |
| Will County | $1,344 | $1,712 | 103 | |
| Peoria County | $1,321 | $1,667 | 31 | |
| Adams County | $1,317 | $1,781 | 16 | |
| Lee County | $1,287 | $1,616 | 9 | |
| Mercer County | $1,286 | $1,590 | 4 | |
| Jefferson County | $1,235 | $1,529 | 1 | |
| Stephenson County | $1,228 | $1,633 | 2 | |
| Jersey County | $1,227 | $1,601 | 11 | |
| Kane County | $1,225 | $1,564 | 64 | |
| Gallatin County | $1,177 | $1,517 | 4 | |
| Piatt County | $1,168 | $1,451 | 2 | |
| Alexander County | $1,140 | $1,473 | 8 | |
| DeKalb County | $1,138 | $1,467 | 13 | |
| Cass County | $1,138 | $1,414 | 11 | |
| Madison County | $1,134 | $1,451 | 88 | |
| Jasper County | $1,132 | $1,408 | 1 | |
| LaSalle County | $1,124 | $1,482 | 16 | |
| De Witt County | $1,123 | $1,397 | 2 | |
| Lake County | $1,111 | $1,432 | 152 | |
| Marion County | $1,104 | $1,375 | 6 | |
| Moultrie County | $1,094 | $1,363 | 2 | |
| Grundy County | $1,070 | $1,367 | 14 | |
| Macon County | $1,053 | $1,315 | 5 | |
| Jackson County | $1,051 | $1,312 | 9 | |
| Bureau County | $1,046 | $1,419 | 6 | |
| Rock Island County | $1,036 | $1,363 | 52 | |
| Kendall County | $997 | $1,293 | 5 | |
| St. Clair County | $966 | $1,267 | 78 | |
| Sangamon County | $922 | $1,220 | 19 | |
| Saline County | $917 | $1,192 | 6 | |
| Crawford County | $914 | $1,207 | 4 | |
| Henderson County | $914 | $1,175 | 9 | |
| Randolph County | $899 | $1,149 | 14 | |
| Knox County | $896 | $1,185 | 4 | |
| Pike County | $894 | $1,127 | 9 | |
| Morgan County | $893 | $1,126 | 5 | |
| Woodford County | $891 | $1,124 | 10 | |
| Williamson County | $890 | $1,187 | 14 | |
| Schuyler County | $874 | $1,104 | 2 | |
| DuPage County | $854 | $1,082 | 319 | |
| Mason County | $841 | $1,120 | 4 | |
| Calhoun County | $836 | $1,115 | 4 | |
| Christian County | $830 | $1,052 | 2 | |
| White County | $821 | $1,041 | 7 | |
| Clinton County | $814 | $1,033 | 4 | |
| FIPS 17000 | $810 | $1,178 | 3 | |
| Logan County | $798 | $1,013 | 2 | |
| Perry County | $783 | $996 | 3 | |
| Pulaski County | $768 | $978 | 3 | |
| Fulton County | $763 | $972 | 2 | |
| Franklin County | $757 | $965 | 2 | |
| Scott County | $746 | $952 | 1 | |
| Hancock County | $670 | $975 | 8 | |
| Union County | $664 | $855 | 4 | |
| Vermilion County | $660 | $1,044 | 7 | |
| Washington County | $649 | $838 | 1 | |
| Whiteside County | $644 | $911 | 17 | |
| Cook County | $625 | $808 | 1,099 | |
| Champaign County | $585 | $770 | 53 | |
| Menard County | $556 | $728 | 3 | |
| Massac County | $544 | $846 | 17 | |
| Richland County | $465 | $621 | 1 | |
| Hardin County | $412 | $558 | 1 | |
| Johnson County | $390 | $757 | 1 | |
| Macoupin County | $266 | $499 | 2 |
Use this data
Download Illinois CSV (illinois.csv) — free to reuse with attribution. Read the full methodology for formulas, update cadence, and limitations. Source: FEMA OpenFEMA NFIP policy transaction data (FimaNfipPolicies).
"Illinois Flood Insurance Costs." Out of the Storm News Flood Insurance Cost Index, May 2026, based on FEMA OpenFEMA NFIP policy transaction data. https://outofthestormnews.com/flood-insurance/costs/illinois
Related guides
Editorial context for reading these numbers — how NFIP coverage and pricing work in practice, and what a flood map does and doesn’t tell you.