Flood Insurance

The Des Plaines River, Buffalo Creek, William Rogers Memorial Diversion Channel, and the McDonald Creek are beautiful assets that our residents enjoy. These bodies of water can unleash destructive forces, capable of destroying homes and their contents. However, all areas are susceptible to flooding to varying degrees. In fact, 25% of all flood claims occur in the low-to-moderate risk areas.

Causes of Flooding

Flooding can be caused by:
  • Failed protective devices such as levees and dams
  • Heavy rains
  • Ice jams
  • Inadequate drainage systems
  • Inadequate overland drainage swales
  • Melting snow
  • Tropical storms and hurricanes

Insurance for Protection

Residents can protect their homes against flooding in many ways. One option is to purchase low-cost flood insurance available through the National Flood Insurance Program. For more information, visit our Myths and Facts of Flood Insurance page.

Coverage & Requirements

Regular insurance policies do not cover damage due to floods since they are known hazards. If your house is located in a regulated flood plain (Special Flood Hazard Area), and is financed through a lending institution that is federally regulated or federally insured, then you are required to purchase flood insurance. Flood insurance may be purchased through your personal insurance agent or company. You can protect your home with flood insurance up to $250,000 for the structure and $100,000 for its contents.