Data · June 2026 data · 14-month trend
Illinois Flood Insurance Costs
Illinois's flood insurance cost index stood at $870 in June 2026, measured across policies newly written or renewed that month. The state pays less than the country as a whole — 13.2% under the $1,001 national average. The figure is up 1.8% year over year. 2,910 policies were written or renewed statewide that month; Greene County was the priciest county at $2,886 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 — June 2026
- Average premium
- $870
- Avg total cost (with fees)
- $1,115
- Change (year over year)
- +1.8%
- vs national average
- -13.2%
- Policies written or renewed
- 2,910
- Counties reporting
- 82
Illinois trend, last 14 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 |
County breakdown — June 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 |
|---|---|---|---|---|
| Greene County | $2,886 | $3,590 | 2 | |
| Mercer County | $1,975 | $2,403 | 1 | |
| Union County | $1,880 | $2,290 | 4 | |
| Macon County | $1,878 | $2,401 | 4 | |
| LaSalle County | $1,852 | $2,323 | 24 | |
| Grundy County | $1,839 | $2,266 | 19 | |
| Ogle County | $1,800 | $2,241 | 10 | |
| Henry County | $1,782 | $2,220 | 15 | |
| DeKalb County | $1,665 | $2,071 | 19 | |
| Kankakee County | $1,628 | $2,003 | 22 | |
| Winnebago County | $1,606 | $2,054 | 75 | |
| Douglas County | $1,580 | $1,936 | 5 | |
| Jersey County | $1,548 | $2,028 | 7 | |
| Kane County | $1,518 | $1,907 | 63 | |
| Cass County | $1,439 | $1,786 | 14 | |
| Will County | $1,418 | $1,778 | 87 | |
| Livingston County | $1,392 | $1,715 | 13 | |
| Madison County | $1,331 | $1,687 | 75 | |
| McLean County | $1,296 | $1,626 | 9 | |
| De Witt County | $1,279 | $1,657 | 6 | |
| Stephenson County | $1,274 | $1,620 | 5 | |
| Iroquois County | $1,234 | $1,539 | 20 | |
| Vermilion County | $1,219 | $1,511 | 6 | |
| Rock Island County | $1,211 | $1,568 | 74 | |
| Kendall County | $1,180 | $1,515 | 9 | |
| McHenry County | $1,168 | $1,484 | 82 | |
| Putnam County | $1,157 | $1,437 | 1 | |
| Champaign County | $1,153 | $1,465 | 14 | |
| Woodford County | $1,153 | $1,489 | 8 | |
| DuPage County | $1,152 | $1,470 | 185 | |
| Effingham County | $1,132 | $1,408 | 1 | |
| Henderson County | $1,124 | $1,474 | 6 | |
| Monroe County | $1,121 | $1,507 | 16 | |
| Tazewell County | $1,118 | $1,391 | 7 | |
| Fulton County | $1,077 | $1,418 | 3 | |
| Crawford County | $1,075 | $1,566 | 2 | |
| St. Clair County | $1,050 | $1,370 | 79 | |
| Randolph County | $1,032 | $1,290 | 8 | |
| Jackson County | $1,027 | $1,359 | 12 | |
| Pike County | $1,012 | $1,359 | 12 | |
| McDonough County | $1,002 | $1,254 | 1 | |
| Sangamon County | $1,001 | $1,279 | 18 | |
| Christian County | $997 | $1,249 | 2 | |
| Knox County | $993 | $1,244 | 3 | |
| Lake County | $992 | $1,265 | 226 | |
| Coles County | $990 | $1,268 | 8 | |
| Calhoun County | $984 | $1,297 | 7 | |
| Marion County | $937 | $1,178 | 2 | |
| Boone County | $937 | $1,178 | 6 | |
| Bureau County | $925 | $1,277 | 4 | |
| Jo Daviess County | $912 | $1,148 | 2 | |
| Adams County | $893 | $1,216 | 5 | |
| Edgar County | $890 | $1,235 | 2 | |
| Alexander County | $887 | $1,156 | 6 | |
| Morgan County | $885 | $1,116 | 4 | |
| Hancock County | $884 | $1,115 | 3 | |
| Franklin County | $881 | $1,112 | 1 | |
| Piatt County | $880 | $1,110 | 2 | |
| Lee County | $837 | $1,164 | 13 | |
| Moultrie County | $801 | $1,017 | 3 | |
| Clinton County | $780 | $1,049 | 4 | |
| Williamson County | $772 | $1,023 | 17 | |
| Peoria County | $753 | $1,015 | 25 | |
| Whiteside County | $751 | $1,012 | 21 | |
| White County | $716 | $942 | 9 | |
| Marshall County | $681 | $921 | 5 | |
| Mason County | $659 | $906 | 4 | |
| Massac County | $638 | $853 | 8 | |
| Washington County | $629 | $814 | 1 | |
| Saline County | $629 | $851 | 6 | |
| Clay County | $615 | $798 | 3 | |
| Logan County | $592 | $770 | 4 | |
| Cook County | $538 | $699 | 1,448 | |
| Bond County | $534 | $927 | 1 | |
| Pulaski County | $509 | $673 | 3 | |
| Macoupin County | $464 | $620 | 2 | |
| Gallatin County | $446 | $710 | 2 | |
| Lawrence County | $441 | $817 | 1 | |
| Warren County | $358 | $494 | 1 | |
| Stark County | $310 | $438 | 1 | |
| Jefferson County | $282 | $405 | 1 | |
| Montgomery County | $242 | $358 | 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, June 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.