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Madison County, IL flood insurance claims history
1,087 National Flood Insurance Program claims have been filed for flood losses in Madison County since 1978, and FEMA has paid out $8.0M on them. The worst year was 1979 with 192 claims. Madison County ranks #11 of 101 in Illinois by claim count.
At a glance
- 35% of claims came from buildings outside FEMA’s high-risk flood zones (B, C or X), where lenders usually do not require flood insurance.
- Flood claims were filed in 10 of the last 10 years — flooding here is a regular event, not a once-in-a-generation one.
- More flood claims than 90% of the 101 Illinois counties with any claims on file — and more than 4 of its 6 neighbors.
- ZIP 62040 has the most claims in the county (396, 36%). Check your ZIP →
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Pick your ZIP code to see how many insured buildings there filed flood claims, in which years, and how much was paid. Narrow by year or flood zone too. Everything runs in your browser — nothing you pick is sent anywhere.
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Flood claims by year
Claims by year of loss, 1978–2025. Spikes line up with named storms and major rain events; quiet years still see claims from local flash flooding.
Biggest flood events in Madison County
| Flood event (FEMA name) | Claims | Paid | Avg / claim | Year |
|---|---|---|---|---|
| Flooding (FEMA general label) | 110 | $500K | $5K | 1995 |
| Midwest Flooding | 87 | $1.7M | $19K | 1993 |
| Flooding (FEMA general label) | 53 | $137K | $3K | 1982 |
| Early winter storms | 46 | $527K | $11K | 2015 |
| Flooding (FEMA general label) | 37 | $249K | $7K | 1986 |
| Hurricane Ike | 19 | $194K | $10K | 2008 |
| Flooding (FEMA general label) | 7 | $13K | $2K | 1985 |
| March storm | 5 | $1K | $299 | 2008 |
| Mid-spring storms | 5 | $10K | $2K | 2013 |
| Mid-spring storms | 5 | $19K | $4K | 2011 |
| Central U.S. April Flooding | 2 | $690 | $345 | 2025 |
| Flooding (FEMA general label) | 1 | $2K | $2K | 1997 |
35% of claims here fall under these 12 entries. “FEMA general label” groups many separate floods under one name; the rest of the claims have no event name.
Claims by flood zone
Not sure what the zone letters mean? Flood zones explained →
| Flood zone at rating | Claims | Paid | Avg / claim |
|---|---|---|---|
| High-risk A zones (A, AE, AH, AO, A1–A30, AR) | 540 | $4.7M | $9K |
| Moderate / low-risk zones (B, C, X) | 287 | $2.6M | $9K |
| Zone not recorded | 260 | $727K | $3K |
What caused the flooding
| Cause of damage (as coded by FEMA) | Claims | Share |
|---|---|---|
| Accumulation of rainfall or snowmelt | 479 | 44% |
| Stream, river or lake overflow | 353 | 32% |
| Tidal water overflow (storm surge) | 207 | 19% |
| Other causes | 30 | 3% |
| Not recorded | 16 | 1% |
| Alluvial fan overflow | 1 | 0% |
Flood claims by ZIP code in Madison County
30 ZIP codes in Madison County have at least one NFIP claim. ZIP codes can cross county lines; this table counts only claims FEMA assigned to Madison County.
| 62040 | 396 | $2.4M | 36% | 37 | 2025 |
| 62002 | 144 | $1.8M | 13% | 22 | 2024 |
| 62035 | 108 | $991K | 10% | 13 | 2019 |
| 62095 | 90 | $384K | 8% | 20 | 2017 |
| 62234 | 66 | $521K | 6% | 20 | 2020 |
| 62025 | 64 | $497K | 6% | 25 | 2024 |
| 62024 | 44 | $234K | 4% | 17 | 2016 |
| 62060 | 34 | $188K | 3% | 16 | 2024 |
| 62010 | 24 | $81K | 2% | 9 | 2016 |
| 62048 | 22 | $73K | 2% | 5 | 2015 |
| 62034 | 15 | $212K | 1% | 13 | 2025 |
| 62090 | 11 | $24K | 1% | 6 | 2019 |
| 62084 | 11 | $20K | 1% | 8 | 1986 |
| 62018 | 11 | $33K | 1% | 7 | 2023 |
| 62294 | 7 | $54K | 1% | 6 | 2024 |
| 62249 | 7 | $38K | 1% | 6 | 2023 |
| 62062 | 5 | $265K | 0% | 3 | 2020 |
| 62088 | 4 | $49K | 0% | 4 | 2020 |
| 62061 | 4 | $39K | 0% | 3 | 1996 |
| 62055 | 3 | $9K | 0% | 2 | 1983 |
| 62006 | 3 | $4K | 0% | 2 | 1983 |
| 62037 | 3 | $595 | 0% | 3 | 1983 |
| 62042 | 2 | $4K | 0% | 2 | 1982 |
| 62067 | 2 | $3K | 0% | 1 | 1979 |
| 62087 | 2 | $3K | 0% | 2 | 2023 |
| 62097 | 1 | $0 | 0% | 1 | 2009 |
| 62281 | 1 | $1K | 0% | 1 | 2013 |
| 62041 | 1 | $0 | 0% | 1 | 1995 |
| 62001 | 1 | $21K | 0% | 1 | 2019 |
| 61937 | 1 | $444 | 0% | 1 | 1979 |
Click a column to sort. Click a ZIP to load it in the lookup above.
When does Madison County flood?
April accounts for the most flood losses (292 claims, 27%). Claims by month of loss:
| Month | Claims | Share |
|---|---|---|
| January | 31 | 3% |
| February | 12 | 1% |
| March | 52 | 5% |
| April | 292 | 27% |
| May | 235 | 22% |
| June | 72 | 7% |
| July | 97 | 9% |
| August | 111 | 10% |
| September | 23 | 2% |
| October | 43 | 4% |
| November | 13 | 1% |
| December | 106 | 10% |
Year-by-year detail
| Year of loss | Claims | Paid |
|---|---|---|
| 2025 | 4 | $690 |
| 2024 | 7 | $18K |
| 2023 | 7 | $53K |
| 2022 | 2 | $4K |
| 2021 | 2 | $5K |
| 2020 | 5 | $331K |
| 2019 | 58 | $1.6M |
| 2018 | 1 | $5K |
| 2017 | 17 | $54K |
| 2016 | 28 | $249K |
| 2015 | 55 | $554K |
| 2013 | 22 | $77K |
| 2012 | 1 | $5K |
| 2011 | 6 | $19K |
| 2010 | 10 | $31K |
| 2009 | 15 | $170K |
| 2008 | 41 | $531K |
| 2006 | 2 | $3K |
| 2005 | 20 | $55K |
| 2004 | 3 | $7K |
| 2003 | 5 | $9K |
| 2002 | 21 | $169K |
| 2001 | 6 | $63K |
| 2000 | 5 | $24K |
| 1999 | 3 | $6K |
| 1998 | 18 | $24K |
| 1997 | 1 | $2K |
| 1996 | 15 | $60K |
| 1995 | 118 | $510K |
| 1994 | 24 | $33K |
| 1993 | 116 | $2.0M |
| 1991 | 1 | $646 |
| 1990 | 7 | $11K |
| 1989 | 1 | $0 |
| 1986 | 41 | $252K |
| 1985 | 15 | $43K |
| 1984 | 12 | $20K |
| 1983 | 60 | $106K |
| 1982 | 84 | $173K |
| 1981 | 10 | $23K |
| 1980 | 5 | $0 |
| 1979 | 192 | $613K |
| 1978 | 21 | $18K |
Neighboring counties
Madison County borders 6 areas we cover. Flood risk does not stop at a county line, so it is worth comparing.
| Neighbor | Claims | Paid | Outside high-risk |
|---|---|---|---|
| Madison County (this page) | 1,087 | $8.0M | 35% |
| Jersey County | 1,869 | $24.4M | 5% |
| St. Clair County | 1,469 | $7.8M | 51% |
| Macoupin County | 47 | $272K | 16% |
| Clinton County | 29 | $646K | 18% |
| Montgomery County | 22 | $288K | 10% |
| Bond County | 6 | $282K | 20% |
All 101 Illinois counties → · County and ZIP rankings →
Common questions about flooding in Madison County
- Has Madison County flooded recently?
- Yes — the most recent flood loss with an insurance claim on file was on 2025-12-28, and claims were filed in 10 of the last 10 years (131 claims from 2016 to 2025). FEMA’s data runs to 2026-09-07, so the newest events may not appear yet.
- Do I need flood insurance in a low-risk zone here?
- Lenders generally require it only in high-risk A and V zones. But 35% of Madison County’s claims came from moderate- and low-risk zones. Whether to buy coverage is your call — see flood zones explained and check your address on the FEMA Flood Map Service Center.
- Can I see whether a specific house has flooded?
- Not here. FEMA removes addresses before publishing, so these figures describe areas, never a property. Our guide how to check if a house has flooded lists the questions and records that can tell you about a specific home.
- Why might the real number of floods be higher?
- Only buildings with National Flood Insurance can file these claims, and most homes are not insured for flood. More on what the counts mean in understanding NFIP claims data.
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About these numbers
Figures are aggregated from FEMA’s OpenFEMA NFIP Redacted Claims dataset (county FIPS 17119, data as of 2026-09-07). They cover only properties that carried National Flood Insurance — most homes do not, and private flood policies are not included — so real flood damage is larger than these counts show. Dollar amounts are as paid, in nominal dollars. Flood zone is the zone used to rate the policy at the time, which may differ from today’s map. FEMA states this dataset is not an official federal report. Use it for background, not for a purchase, insurance or legal decision; for a specific property ask the seller for its flood disclosure or the owner’s NFIP loss history.