Flood zone · Illinois
Flood zone in Illinois
Flood zone (FEMA NFHL) data for ZIP codes in Illinois. Pick a ZIP below to dive into the flood zone summary.
Last verified 2026-05-13 · methodology
What lands here
Pages show the flood zone code, what it means in plain English (1% annual chance zone, 0.2% annual chance zone, or outside mapped hazard), and the base flood elevation where assigned.
Source & refresh
FEMA NFHL. Refreshed quarterly loma updates. Primary source →
Illinois top concern
Lead service lines, flooding (Mississippi/Illinois)
Illinois has the highest LCRR lead-service-line replacement obligations in the US (Chicago alone >400,000 LSLs). FEMA AE coverage extends along the Mississippi, Illinois, and Rock rivers. EPA SDWIS shows urban vs. downstate disparity.
See Illinois state page for the full state-level rollup across all 12 dimensions.
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Flood zones explained — what AE, X, and VE actually mean
Plain-English guide to FEMA flood-zone codes (A, AE, AH, V, VE, X, X-shaded). What the 1% and 0.2% annual-chance zones mean for your property and your insurance.
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Wildfire insurance in 2026 — why premiums spiked and what to do
California, Oregon, Colorado, and other Western states have seen wildfire insurance premiums double or homeowners drop entirely. Plain-English guide to the 2026 market.
FEMA flood zones — AE vs. X vs. VE in plain English
FEMA's National Flood Hazard Layer maps every US property's flood-zone designation. Here's what AE, X, VE, and AO actually mean for your insurance bill.
8 Illinois ZIPs
ZIP 60601
Chicago, IL
Flood zone →
ZIP 60614
Chicago (Lincoln Park), IL
Flood zone →
ZIP 61602
Peoria, IL
Flood zone →
ZIP 60302
Oak Park, IL
Flood zone →
ZIP 60611
Chicago (Streeterville), IL
Flood zone →
ZIP 61820
Champaign, IL
Flood zone →
ZIP 60201
Evanston (IL), IL
Flood zone →
ZIP 60515
Downers Grove, IL
Flood zone →