Enter any address in Effingham, Illinois to see its FEMA flood zone
Effingham has a population of 12,252 residents. Like many communities in Illinois, properties in Effingham may be located in various FEMA flood zones ranging from high-risk Special Flood Hazard Areas to low-risk zones.
Use the address lookup above to check the specific flood zone for any property in Effingham. Results come directly from FEMA's National Flood Hazard Layer (NFHL).
FEMA assigns flood zone designations to areas in Effingham, 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 Effingham that are in FEMA Special Flood Hazard Areas (zones A and V) with federally backed mortgages are required to carry flood insurance.
Even in low-risk zones, flood insurance is recommended — over 20% of NFIP claims come from outside high-risk areas. Visit FloodSmart.gov for quotes.