Enter any address in Ogle County, Illinois to see its FEMA flood zone
Flash flooding from thunderstorms is the dominant flood character in Ogle County. Between 1993 and 2023, NOAA Storm Events data recorded 26 flash flood events and 22 flood events. Recent events include flash flooding on August 8, 2022, following 3 to 5 inches of rain, and flooding on April 4, 2023, associated with scattered thunderstorms.
NFIP claims data shows that properties in Zone A have experienced the most claims, with an average payout of $12,780 and an average water depth of 4.0 feet. Properties in Zone X also show significant claims, with an average payout of $11,060 and an average water depth of 7.1 feet, despite fewer claims. Homeowners in Zone A and Zone X, as well as those in Zone UNKNOWN, should pay close attention to flood risk.
Summary generated from NOAA storm narratives and NFIP claim data for this county. Not predictive.
8 NOAA storm reports from this county describe what happened, in the words of the meteorologists who were there.
Ogle County, Illinois has recorded 48 flood-related events since 1996 according to NOAA's Storm Events Database, including 26 flash floods and 22 river or area floods. The county has received 14 federal disaster declarations, 4 of which involved flooding or coastal storms. Enter any address above to check its FEMA flood zone designation.
FEMA Disaster Declarations (1973–2020)
Source: OpenFEMA Disaster Declarations Summaries.
| Declaration | Type | Date |
|---|---|---|
| Covid-19 | Biological | Jan 20, 2020 |
| Covid-19 Pandemic | Biological | Jan 20, 2020 |
| Severe Storms, Straight-line Winds, And Flooding | Flood | Apr 16, 2013 |
| Severe Winter Storm And Snowstorm | Snowstorm | Jan 31, 2011 |
| Severe Storms And Flooding | Severe Storm | Jul 19, 2010 |
| Record Snow And Near Record Snow | Snowstorm | Feb 5, 2008 |
| Snow | Snowstorm | Nov 30, 2006 |
| Hurricane Katrina Evacuation | Hurricane | Aug 29, 2005 |
| Illinois Winter Snow Storms | Snowstorm | Dec 11, 2000 |
| Severe Storms And Flooding | Severe Storm | Jul 17, 1996 |
NOAA Storm Events Database (1996–2025)
Source: NOAA National Weather Service Storm Events Database.
| Type | Date | Damage |
|---|---|---|
| Flash Flood | Jul 25, 2025 | 1.00K |
| Flood | Apr 4, 2023 | 0.00K |
| Flash Flood | Aug 19, 2022 | 0.00K |
| Flash Flood | Aug 8, 2022 | 0.00K |
| Flood | Mar 13, 2019 | 0.00K |
| Flash Flood | Jun 5, 2019 | 0.00K |
| Flood | Sep 3, 2019 | 0.00K |
| Flood | Feb 20, 2018 | 0.00K |
| Flash Flood | Jun 15, 2018 | 0.00K |
| Flood | Jun 15, 2018 | 0.00K |
Flash Flood — Jul 25, 2025
Isolated thunderstorms produced funnel clouds across central Illinois during the late morning of July 25th. A narrow line of thunderstorms developed over southeast DuPage and central Cook Counties during the late morning of July 25th and continued into the early afternoon producing torrential rainfall and widespread flash flooding. Scattered thunderstorms moved across portions of northern Ill...
Flood — Apr 4, 2023
Scattered thunderstorms moved across portions of northern Illinois during the afternoon of April 4th producing large hail and wind damage. ||Additional isolated thunderstorms moved across parts of northern Illinois during the evening. High winds occurred north of these storms during the evening, producing isolated wind damage. Tree and power line damage was reported in Mendota along with a d...
Flash Flood — Aug 19, 2022
Multiple thunderstorms moved across parts of northwest Illinois during the evening of August 19th into the early morning of August 20th producing heavy rain and localized flash flooding.
Flash Flood — Aug 8, 2022
Heavy rain caused flash flooding across parts of northwest Illinois during the morning of August 8th when rainfall of 3 to 5 inches with locally higher amounts fell. Previous rainfall the day before brought two day rainfall totals to 6 to 9 inches across many areas across northwest Illinois. A church was struck by lightning in Rockford during the morning of August 8th causing significant dama...
Flood — Mar 13, 2019
Heavy rain combined with snow melt caused river levels to reach major stage along portions of the Rock and Pecatonica Rivers during the middle of March.
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 Ogle 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 Ogle 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.