State Risk Profile
Illinois IL
Illinois is mainly a flood-and-heat state, with additional seismic exposure in the far south.
FloodExtreme HeatEarthquake
Statewide Profile
- Population
- 12.5M
- Insurance Market
- Low Pressure
- Cities Profiled
- 5
- Last Reviewed
- 2026-06-06
Risk Summary
Illinois combines river flood exposure, urban heat, and localized seismic risk tied to the New Madrid region in the south.
Flood risk tracks the Mississippi, Illinois, and local river systems, while heat is concentrated in urban and lower-canopy areas.
Insurance Market
Insurance is broadly stable, though flood-prone areas and older urban housing can raise costs.
- Basement water risk is a recurring issue in many Illinois markets.
- Southern Illinois carries the clearest seismic exposure in the state.
Notable Events
Significant state-level events
2019Flood
Midwest river flooding
Long-duration flooding affected multiple Illinois river corridors.
2023Extreme Heat
Urban heat episodes
Extended heat raised concern about cooling access in major metros.
City Directory
5 cities profiled in Illinois
Aurora
Kane County
FloodExtreme Heat
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Top 5% most at-risk nationally
Chicago
Cook County
Extreme HeatFlood
View full report
Top 5% most at-risk nationally
Naperville
DuPage County
FloodEarthquake
View full report
Top 5% most at-risk nationally
Peoria
Peoria County
Extreme HeatFlood
View full report
Top 10% most at-risk nationally
Rockford
Winnebago County
FloodExtreme Heat
View full report
Top 10% most at-risk nationally
Location Reports
Active Address Risk Reports in Illinois
Explore parcel-level climate risk snapshots and insurance cost estimates for ZIP codes in Illinois.
60002Antioch60004Arlington Heights60005Arlington Heights60007Elk Grove Village60008Rolling Meadows60010Barrington60013Cary60014Crystal Lake60015Deerfield60016Des Plaines60018Des Plaines60025Glenview60030Grayslake60031Gurnee60035Highland Park60045Lake Forest60046Lake Villa60047Lake Zurich60048Libertyville60050Mchenry60051Mchenry60053Morton Grove60056Mount Prospect60060Mundelein60061Vernon Hills60062Northbrook60067Palatine60068Park Ridge60073Round Lake60074Palatine60076Skokie60077Skokie60085Waukegan60087Waukegan60089Buffalo Grove60090Wheeling60091Wilmette60093Winnetka60098Woodstock60099Zion60101Addison60102Algonquin60103Bartlett60104Bellwood60106Bensenville60107Streamwood60108Bloomingdale60110Carpentersville60115Dekalb60120Elgin60123Elgin60124Elgin60126Elmhurst60131Franklin Park60133Hanover Park60134Geneva60137Glen Ellyn60139Glendale Heights60140Hampshire60142Huntley60148Lombard60153Maywood60156Lake In The Hills60160Melrose Park60164Melrose Park60169Hoffman Estates60172Roselle60174Saint Charles60175Saint Charles60177South Elgin60178Sycamore60181Villa Park60185West Chicago60187Wheaton60188Carol Stream60189Wheaton60193Schaumburg60194Schaumburg60201Evanston60202Evanston60302Oak Park60402Berwyn60404Shorewood60406Blue Island60409Calumet City60411Chicago Heights60419Dolton60423Frankfort60426Harvey60430Homewood60431Joliet60432Joliet60435Joliet60436Joliet60438Lansing60439Lemont60440Bolingbrook60441Lockport60443Matteson60446Romeoville60448Mokena60450Morris60451New Lenox60452Oak Forest60453Oak Lawn60459Burbank60462Orland Park60465Palos Hills60466Park Forest60467Orland Park60473South Holland60477Tinley Park60487Tinley Park60490Bolingbrook60491Homer Glen60502Aurora60504Aurora60505Aurora60506Aurora60510Batavia60513Brookfield60515Downers Grove60516Downers Grove60517Woodridge60521Hinsdale60525La Grange60527Willowbrook60532Lisle60538Montgomery60540Naperville60542North Aurora60543Oswego60544Plainfield60559Westmont60560Yorkville60561Darien60563Naperville60564Naperville60565Naperville60585Plainfield60586Plainfield60605Chicago60607Chicago60608Chicago60609Chicago60610Chicago60611Chicago60612Chicago60613Chicago60614Chicago60615Chicago60616Chicago60617Chicago60618Chicago60619Chicago60620Chicago60621Chicago60622Chicago60623Chicago60624Chicago60625Chicago60626Chicago60628Chicago60629Chicago60630Chicago60631Chicago60632Chicago60634Chicago60636Chicago60637Chicago60638Chicago60639Chicago60640Chicago60641Chicago60642Chicago60643Chicago60644Chicago60645Chicago60646Chicago60647Chicago60649Chicago60651Chicago60652Chicago60653Chicago60654Chicago60655Chicago60656Chicago60657Chicago60659Chicago60660Chicago60706Harwood Heights60707Elmwood Park60714Niles60803Alsip60804Cicero60805Evergreen Park60827Riverdale60901Kankakee60914Bourbonnais61008Belvidere61021Dixon61032Freeport61073Roscoe61081Sterling61101Rockford61103Rockford61104Rockford61107Rockford61108Rockford61109Rockford61111Loves Park61115Machesney Park61201Rock Island61244East Moline61265Moline61350Ottawa61364Streator61401Galesburg61550Morton61554Pekin61571Washington61604Peoria61611East Peoria61614Peoria61615Peoria61701Bloomington61704Bloomington61761Normal61801Urbana61802Urbana61820Champaign61821Champaign61822Champaign61832Danville61920Charleston61938Mattoon62002Alton62025Edwardsville62040Granite City62220Belleville62221Belleville62226Belleville62234Collinsville62269O'Fallon62301Quincy62305Quincy62401Effingham62521Decatur62526Decatur62650Jacksonville62656Lincoln62702Springfield62703Springfield62704Springfield62801Centralia62864Mount Vernon62901Carbondale62959Marion