6 flood insurance claims·$282,175 paid
Share of the whole county outline, rivers and lakes included; parts FEMA hasn’t mapped count as zero.
Shaded areas are FEMA’s mapped flood hazard zones in and around Bond County, Illinois. Zoomed out they are simplified; at street level the map switches to FEMA’s exact layer. Tap anywhere to check that spot, or search an address above.
Flash flooding from intense summer thunderstorms and heavy rainfall dominates the flood risk in Bond County, Illinois. Over the last 30 years, the NOAA Storm Events Database records 19 flash flood events compared to 2 general flood events. This severe weather is frequently driven by back-building storm systems and training thunderstorms capable of producing high hourly rainfall rates and multi-inch totals over several hours. Recent events include a flash flood on July 26, 2022, caused by training thunderstorms with rainfall rates exceeding two inches per hour, and a heavy rain event on August 12, 2019, driven by high precipitable water values and storms persisting over the same locations for over five hours.
National Flood Insurance Program records indicate that historical claims are concentrated in specific hazard areas. Properties in Zone A have accounted for 4 claims with an average payout of $70,250 and an average recorded water depth of 0 inches. Single claims are also recorded for Zone UNKNOWN, averaging a $2,074 payout with an average recorded water depth of 1 inch, and Zone X, averaging a $0 payout with an average recorded water depth of 0 inches. Homeowners and real estate agents with properties located within Zone A should pay the closest attention to this flood risk given the historical payout data associated with these higher-risk zones.
Summary written from NOAA storm reports and NFIP claims for this county. Not a prediction.
In flood insurance claims here that reported a flood depth, the average was 1 inches.
Drawn to scale against an 80-inch door. Even a few inches soaks flooring, the bottom of the drywall and anything plugged in near the floor.
Average of the depths reported on claims (zero and implausible values left out); FEMA’s record doesn’t say exactly where each depth was measured. Source: OpenFEMA NFIP claims.
The worst year was 2019, with 4 claims and $280,101 paid.
Bar height is scaled by square root so ordinary years stay visible next to the worst one. NFIP claims by year of loss. Source: OpenFEMA.
4 NOAA storm reports from Bond County describe what happened, in the words of the forecasters who covered it. Read the Illinois flood stories →
7 federal disaster declarations since 2002.
| Disaster | Began |
|---|---|
| Severe Storms, Straight-line Winds, And Tornadoes | Dec 10, 2021 |
| Severe Winter Storm And Snowstorm | Jan 31, 2011 |
| Severe Winter Storm | Nov 30, 2006 |
| Hurricane Katrina Evacuation | Aug 29, 2005 |
| Severe Storms, Tornadoes And Flooding | Apr 21, 2002 |
Weather and water disasters only; most recent first. Source: OpenFEMA Disaster Declarations.
21 since 1996: 19 flash floods and 2 river or area floods.
| Event | Date | Damage |
|---|---|---|
| Flash Flood | Jul 20, 2025 | $30,000 |
| Flash Flood | Jul 26, 2022 | — |
| Flash Flood | Aug 12, 2019 | — |
| Flash Flood | Dec 28, 2015 | — |
| Flash Flood | Jun 8, 2015 | — |
| Flash Flood | Apr 18, 2013 | — |
| Flash Flood | Jun 26, 2011 | — |
| Flash Flood | Jun 19, 2011 | — |
— = no damage estimate in the record. Source: NOAA Storm Events Database.
Flash Flood · Jul 20, 2025. During the evening of July 20th, an MCS rode into south-central Illinois. Though the system as a whole kept pushing southeast during the evening, back-building and additional development along its northwestern edge caused it to rain constantly over Fayette County for hours. Between about 7:45 pm CDT and midnight, central Fayette County received 8.7 inches of rain of a total 13.5 inches. This resulted in flash floo…
Flash Flood · Jul 26, 2022. During the early morning of Tuesday, July 26th, 2022, a complex of training thunderstorms set up roughly along the I-70 corridor in Missouri and I-64 corridor in Illinois. Several rounds of thunderstorms with rainfall rates exceeding 2in/hr affected this area, including the St. Louis metropolitan area, through the early hours of July 26th and into the morning commute. Upwards of 11 of rain fell over the course of…
Flash Flood · Aug 12, 2019. Elevated convection developed in response to low level moisture convergence just north of a slowly retreating warm front. With very high precipitable water values in excess of 2 inches, this created very heavy rainfall rates as the storms trained over the same locations for over 5 hours. This caused flash flooding in a number of locations.
Flash Flood · Dec 28, 2015. A prolonged period of rainfall occurred from the early morning hours of December 26th to the evening of December 28th. The heaviest rainfall occurred in a 50 to 75 mile wide swath from southwest Missouri through the Greater St. Louis Metropolitan Area and into central Illinois. Three day rainfall totals within this swath ranged from 6 to 12 inches, with lighter amounts extending both northwest and southeast to t…
National Weather Service narratives, lightly trimmed. Source: NOAA Storm Events Database.
Every colour on the map above is a place on this drawing: where the ground sits relative to the flood FEMA plans for.
If a building in Bond County is in a high-risk zone (A or V) and its mortgage comes from a federally regulated or insured lender, or is federally backed, flood insurance is required.
Outside those zones it is optional, and often worth having: from 2014 to 2024 nearly one-third of NFIP claims came from outside the high-risk Special Flood Hazard Area. Since Risk Rating 2.0, NFIP premiums are set for each building, so the only reliable price is a quote: FloodSmart.gov or a local agent.