Enter any address in Elgin, Illinois to see its FEMA flood zone
Elgin has a population of 114,797 residents. Like many communities in Illinois, properties in Elgin 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 Elgin. Results come directly from FEMA's National Flood Hazard Layer (NFHL).
FEMA assigns flood zone designations to areas in Elgin, 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 Elgin 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.