Illinois Home InsuranceFlood insurance discounts in Illinois
Flood discounts in Illinois
Flooding is never covered by a standard homeowners policy. But where you live can cut the price of a flood policy: communities in FEMA's Community Rating System earn their residents a discount automatically.
Of the 898 Illinois communities in the National Flood Insurance Program, 77 are in the rating system. Everywhere else, there is no community discount at all.
| Community | Class | Discount in high-risk zones |
|---|---|---|
| Ottawa | 2 | 40% |
| Champaign | 5 | 25% |
| Calumet City | 5 | 25% |
| Des Plaines | 5 | 25% |
| Lansing | 5 | 25% |
Source: FEMA NFIP Community Status Book.
Within 24 hours a licensed agent will email you back a competitive quote.
Not an automated estimate — a licensed agent reviews your details personally.
Request a quote