FEMA flood zones · Illinois

Stark County, Illinois Flood Zone Map

1 flood insurance claims·$0 paid·1 federal flood & hurricane disasters

8% of Stark County’s area is in FEMA’s high-risk flood zones, and another 1% in shaded X (mostly the 0.2% floodplain and areas behind levees).

Share of the whole county outline, rivers and lakes included; parts FEMA hasn’t mapped count as zero.

Coastal high risk (V, VE)FloodwayHigh risk (A, AE)Moderate (X, 500-year)Minimal (X)Undetermined (D)

Shaded areas are FEMA’s mapped flood hazard zones in and around Stark 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.

How Stark County floods

Flash flooding from summer thunderstorms dominates the flood profile of Stark County, Illinois. Over the past 30 years, the NOAA Storm Events Database records 18 flash flood events compared to 5 general flood events.

Weather patterns producing heavy localized rainfall drive these occurrences. For instance, on June 6, 2022, slow-moving thunderstorms dropped 1 to 3 inches of rain in a short period, causing localized flash flooding. Similarly, on June 17, 2017, an approaching cold front triggered severe thunderstorms that impacted areas including Toulon in Stark County.

Properties situated within FEMA Zone A should pay the most attention to these risks, as this designation accounts for the county's recorded NFIP claims, which average 0 inches of recorded water depth and $0 in average payouts.

Summary written from NOAA storm reports and NFIP claims for this county. Not a prediction.

In their words

5 NOAA storm reports from Stark County describe what happened, in the words of the forecasters who covered it. Read the Illinois flood stories →

Federal disasters

8 federal disaster declarations since 1999, 1 of them floods, coastal storms or hurricanes.

DisasterBegan
Severe Storms, Straight-line Winds, And FloodingApr 16, 2013
Severe Winter Storm And SnowstormJan 31, 2011
SnowNov 30, 2006
Hurricane Katrina EvacuationAug 29, 2005
Illinois Winter Snow StormsDec 11, 2000
Winter Storm 1/1/99Jan 1, 1999

Weather and water disasters only; most recent first. Source: OpenFEMA Disaster Declarations.

Recorded flood events

23 since 1996: 18 flash floods and 5 river or area floods.

EventDateDamage
Flash FloodJun 6, 2022—
Flash FloodJun 17, 2017—
Flash FloodJun 14, 2015—
FloodJun 30, 2014—
Flash FloodJun 30, 2014—
FloodJul 1, 2014—
FloodMay 27, 2013—
Flash FloodMay 26, 2013—

— = no damage estimate in the record. Source: NOAA Storm Events Database.

From the storm reports

Flash Flood · Jun 6, 2022. A slow-moving cold front interacted with a warm and moist environment to trigger clusters of thunderstorms across north-central Illinois during the late afternoon and evening of June 6th. Some of the storms produced rainfall of 1 to 3 inches in a short period of time, leading to localized flash flooding. The flooding was primarily focused along and north of an Abingdon to Lacon line.

Flash Flood · Jun 17, 2017. An approaching cold front triggered scattered severe thunderstorms across portions of central and southeast Illinois from the evening of June 17th into the early morning of June 18th. The hardest hit locations were north of the I-74 corridor from Toulon in Stark County southeastward to Rantoul in Champaign County, where wind gusts of around 60mph downed numerous trees and power lines. A couple downbursts with es…

Flash Flood · Jun 14, 2015. An upper-level disturbance interacting with a stationary frontal boundary brought a round of showers and thunderstorms to portions of central Illinois during the late afternoon and evening of June 14th. Due to copious amounts of moisture in the environment, some of the storms produced excessive rainfall rates that led to localized flash flooding. Rainfall amounts of 4 to 6 inches occurred in a 2 to 3-hour time s…

Flood · Jun 30, 2014. A large complex of severe thunderstorms developed along a stationary frontal boundary across eastern Iowa during the afternoon of June 30th, then tracked eastward along the boundary across north-central Illinois during the evening. These storms produced damaging wind gusts of around 60 mph and locally heavy rainfall along and north of a Canton to Minonk line. Additional strong thunderstorms developed further sout…

National Weather Service narratives, lightly trimmed. Source: NOAA Storm Events Database.

The zones you’ll see on the map

Every colour on the map above is a place on this drawing: where the ground sits relative to the flood FEMA plans for.

Cross-section of a river floodplainDiagram: a river valley. The floodway is the channel and the land beside it; the 1%-annual-chance flood surface (the base flood elevation) covers the valley floor as zone A or AE; a narrow band higher up is shaded X, the 0.2% floodplain; higher ground is X.0.2% CHANCE A YEAR (500-YEAR)BASE FLOOD ELEVATION · 1% A YEARXAEFloodwayAEX
  1. A / AE Inside the 1%-a-year floodplain: about a 26% chance of flooding over a 30-year mortgage. AE has a mapped base flood elevation; plain A does not.
  2. Floodway The channel and the land beside it that has to be kept clear enough to carry the flood. Building here is tightly limited.
  3. X shaded The 0.2% (500-year) floodplain, plus some levee-protected and very shallow flood areas.
  4. X Outside both lines. No federal requirement to insure, which is not the same as no risk.

Every flood zone code explained →

Flood insurance in Stark County

If a building in Stark 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.