Enter any address in Bond County, Illinois to see its FEMA flood zone
Flash flooding from intense rainfall events dominates Bond County's flood history. Over the past 30 years, the NOAA Storm Events Database recorded 19 flash flood events compared to 2 general flood events. For example, Bond County experienced flash flooding in August 2019 due to storms that trained over the same locations for over five hours, and a prolonged period of heavy rainfall in December 2015 contributed to widespread flooding in the region.
National Flood Insurance Program (NFIP) claims data indicates that properties designated as Zone A have experienced the most financial impact, with 4 claims averaging $70,025. While Zone X properties had one claim with no payout, one claim in an unknown zone resulted in an average payout of $2,074 with an average water depth of 1.0 foot. Residents in Zone A, or those in areas with a history of flash flooding, should pay particular attention to their flood risk.
Summary generated from NOAA storm narratives and NFIP claim data for this county. Not predictive.
4 NOAA storm reports from this county describe what happened, in the words of the meteorologists who were there.
Bond County, Illinois has recorded 21 flood-related events since 1996 according to NOAA's Storm Events Database, including 19 flash floods and 2 river or area floods. The county has received 7 federal disaster declarations. Enter any address above to check its FEMA flood zone designation.
FEMA Disaster Declarations (2002–2021)
Source: OpenFEMA Disaster Declarations Summaries.
| Declaration | Type | Date |
|---|---|---|
| Severe Storms, Straight-line Winds, And Tornadoes | Tornado | Dec 10, 2021 |
| Covid-19 | Biological | Jan 20, 2020 |
| Covid-19 Pandemic | Biological | Jan 20, 2020 |
| Severe Winter Storm And Snowstorm | Snowstorm | Jan 31, 2011 |
| Severe Winter Storm | Severe Ice Storm | Nov 30, 2006 |
| Hurricane Katrina Evacuation | Hurricane | Aug 29, 2005 |
| Severe Storms, Tornadoes And Flooding | Tornado | Apr 21, 2002 |
NOAA Storm Events Database (1996–2025)
Source: NOAA National Weather Service Storm Events Database.
| Type | Date | Damage |
|---|---|---|
| Flash Flood | Jul 20, 2025 | 30.00K |
| Flash Flood | Jul 26, 2022 | 0.00K |
| Flash Flood | Aug 12, 2019 | 0.00K |
| Flash Flood | Dec 28, 2015 | 0.00K |
| Flash Flood | Jun 8, 2015 | 0.00K |
| Flash Flood | Apr 18, 2013 | 0.00K |
| Flash Flood | Jun 26, 2011 | 0.00K |
| Flash Flood | Jun 19, 2011 | 0.00K |
| Flash Flood | Jun 27, 2010 | 0.00K |
| Flash Flood | Jun 14, 2010 | 0.00K |
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 re...
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...
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 northwes...
Flash Flood — Jun 8, 2015
A line of slow moving thunderstorms moved south across the forecast area during the evening hours of June 7th and early morning hours of June 8th. There were several reports of damaging winds as well as flash flooding. Then during the afternoon and evening hours of June 8th, scattered thunderstorms developed with several reports of large hail.
Source: NOAA National Weather Service Storm Events Database.
Source: OpenFEMA NFIP Individual Claims (2.25M records analyzed).
FEMA assigns flood zone designations to areas in Bond County, Illinois:
AE High Risk — 1% annual chance of flooding. Insurance required.
VE Very High Risk — Coastal flooding with wave action.
X (Shaded) Moderate Risk — 500-year floodplain.
X Low Risk — Outside major floodplains.
Properties in Bond County, Illinois that are in FEMA-designated Special Flood Hazard Areas (zones A and V) with federally backed mortgages are required to carry flood insurance.
Even outside high-risk zones, flood insurance is recommended. From 2014 to 2024, nearly one-third of NFIP claims came from outside the high-risk Special Flood Hazard Area.
Visit FloodSmart.gov to find an agent and get a quote.