Data · July 2026 data · 15-month trend
Illinois Flood Insurance Costs
Illinois's flood insurance cost index stood at $1,046 in July 2026, measured across policies newly written or renewed that month. The state pays more than the country as a whole — 6.2% above the $986 national average. The figure is up 6.7% year over year. 2,988 policies were written or renewed statewide that month; Bond County was the priciest county at $8,731 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 — July 2026
- Average premium
- $1,046
- Avg total cost (with fees)
- $1,321
- Change (year over year)
- +6.7%
- vs national average
- +6.2%
- Policies written or renewed
- 2,988
- Counties reporting
- 88
Illinois trend, last 15 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 | 2,968 | |
| June 2025 | $854 | $1,098 | 2,989 | |
| July 2025 | $980 | $1,243 | 3,010 | |
| August 2025 | $982 | $1,264 | 2,740 | |
| September 2025 | $943 | $1,209 | 2,761 | |
| October 2025 | $1,166 | $1,490 | 2,360 | |
| November 2025 | $1,192 | $1,522 | 1,932 | |
| December 2025 | $1,017 | $1,300 | 2,287 | |
| January 2026 | $937 | $1,207 | 2,151 | |
| February 2026 | $1,096 | $1,401 | 2,195 | |
| March 2026 | $1,170 | $1,506 | 2,417 | |
| April 2026 | $951 | $1,218 | 3,078 | |
| May 2026 | $915 | $1,177 | 2,778 | |
| June 2026 | $870 | $1,115 | 2,910 | |
| July 2026 | $1,046 | $1,321 | 2,988 |
County breakdown — July 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 |
|---|---|---|---|---|
| Bond County | $8,731 | $10,600 | 1 | |
| De Witt County | $4,347 | $5,314 | 2 | |
| Adams County | $3,847 | $4,740 | 7 | |
| Hancock County | $3,314 | $4,058 | 6 | |
| Bureau County | $3,153 | $3,830 | 6 | |
| Johnson County | $2,215 | $2,798 | 2 | |
| Jersey County | $2,097 | $2,678 | 12 | |
| Cass County | $2,042 | $2,568 | 13 | |
| Winnebago County | $1,937 | $2,409 | 49 | |
| Kankakee County | $1,850 | $2,293 | 36 | |
| Tazewell County | $1,718 | $2,207 | 21 | |
| DeKalb County | $1,658 | $2,056 | 16 | |
| Pike County | $1,644 | $2,068 | 4 | |
| Morgan County | $1,622 | $2,031 | 5 | |
| Macon County | $1,548 | $1,936 | 12 | |
| Madison County | $1,548 | $1,966 | 116 | |
| Monroe County | $1,541 | $1,946 | 20 | |
| Will County | $1,527 | $1,900 | 121 | |
| Jo Daviess County | $1,505 | $1,983 | 5 | |
| McHenry County | $1,491 | $1,866 | 64 | |
| Kane County | $1,491 | $1,879 | 47 | |
| Kendall County | $1,490 | $1,831 | 12 | |
| Grundy County | $1,485 | $1,824 | 18 | |
| Greene County | $1,467 | $1,916 | 4 | |
| Ogle County | $1,459 | $1,822 | 16 | |
| Mason County | $1,447 | $1,825 | 5 | |
| Menard County | $1,319 | $1,628 | 1 | |
| Scott County | $1,291 | $1,595 | 2 | |
| Champaign County | $1,289 | $1,674 | 14 | |
| Coles County | $1,289 | $1,593 | 7 | |
| Gallatin County | $1,251 | $1,548 | 1 | |
| Iroquois County | $1,239 | $1,574 | 17 | |
| Lake County | $1,233 | $1,577 | 183 | |
| Woodford County | $1,230 | $1,552 | 8 | |
| Henry County | $1,223 | $1,540 | 9 | |
| LaSalle County | $1,220 | $1,532 | 32 | |
| Livingston County | $1,208 | $1,510 | 19 | |
| Jackson County | $1,152 | $1,457 | 9 | |
| Douglas County | $1,143 | $1,443 | 10 | |
| Sangamon County | $1,142 | $1,435 | 15 | |
| Washington County | $1,131 | $1,407 | 1 | |
| Carroll County | $1,121 | $1,620 | 1 | |
| McLean County | $1,107 | $1,423 | 10 | |
| Mercer County | $1,071 | $1,561 | 1 | |
| Rock Island County | $1,066 | $1,392 | 69 | |
| Fulton County | $1,035 | $1,406 | 2 | |
| St. Clair County | $998 | $1,296 | 97 | |
| Henderson County | $988 | $1,407 | 4 | |
| Knox County | $967 | $1,288 | 3 | |
| Lawrence County | $959 | $1,204 | 1 | |
| Whiteside County | $959 | $1,264 | 15 | |
| Logan County | $949 | $1,342 | 6 | |
| Peoria County | $947 | $1,259 | 29 | |
| Crawford County | $946 | $1,188 | 1 | |
| Lee County | $929 | $1,209 | 11 | |
| Boone County | $908 | $1,169 | 9 | |
| Clinton County | $883 | $1,210 | 7 | |
| Vermilion County | $878 | $1,198 | 5 | |
| Randolph County | $861 | $1,103 | 15 | |
| Piatt County | $843 | $1,066 | 2 | |
| Alexander County | $835 | $1,077 | 12 | |
| Cook County | $825 | $1,031 | 1,363 | |
| Edgar County | $819 | $1,039 | 2 | |
| Moultrie County | $815 | $1,090 | 4 | |
| Williamson County | $754 | $1,012 | 9 | |
| Calhoun County | $752 | $1,034 | 9 | |
| Franklin County | $750 | $994 | 6 | |
| Warren County | $748 | $987 | 7 | |
| White County | $722 | $924 | 6 | |
| Wayne County | $717 | $919 | 5 | |
| Jefferson County | $717 | $918 | 1 | |
| Christian County | $691 | $887 | 1 | |
| Massac County | $690 | $905 | 12 | |
| Stephenson County | $686 | $882 | 6 | |
| DuPage County | $685 | $873 | 286 | |
| Putnam County | $663 | $854 | 1 | |
| Macoupin County | $621 | $880 | 3 | |
| Marshall County | $619 | $802 | 2 | |
| Saline County | $616 | $832 | 7 | |
| Richland County | $612 | $794 | 1 | |
| Wabash County | $595 | $774 | 1 | |
| Jasper County | $529 | $696 | 1 | |
| Schuyler County | $468 | $624 | 2 | |
| Hardin County | $455 | $609 | 1 | |
| Marion County | $404 | $774 | 1 | |
| Perry County | $367 | $730 | 1 | |
| Stark County | $338 | $471 | 1 | |
| Montgomery County | $281 | $404 | 1 |
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 (NFIP Redacted Policies v3).
"Illinois Flood Insurance Costs." Out of the Storm News Flood Insurance Cost Index, July 2026, based on FEMA OpenFEMA NFIP policy transaction data. https://outofthestormnews.com/flood-insurance/costs/illinois
Related guides
Compare county data, then use the editorial guides to understand how NFIP coverage and pricing work in practice.