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In Chicago, you are flooded with choices.

There's so much to do and see; you're not thinking about flooding. But flooding can happen anywhere, even if you're far from the Chicago River, Lake Michigan or any other water source.

Enjoy life in Chicago and all its amazing choices: Get flood insurance.

Things You Need to Know

Chicago street map covered by waves

What causes flooding in cities?

Changing weather patterns, more storms, an increase in stormwater runoff and overwhelmed stormwater systems can all lead to flooding. 

Chicago bungalow under severe rainstorm

What is my risk?

Flooding is the most common and costly natural disaster. Where it can rain, it can flood. 

Same Chicago bungalow under clear, sunny skies

What should I do to protect my home from flooding?

Most homeowners and renters insurance does not cover flood damage. Talk to your insurance agent to get coverage. 

Chicago street map with "For Rent" pins

What about rentals?

Your landlord may have flood insurance to cover the building, but not your personal belongings. Contents-only flood insurance is available to protect the things you love. 

Rowhomes by flooded street
Understand What Flood Insurance Covers

Learn What's Protected

Suburban homes on flooded street
Check Your Neighborhood’s Flood Risk

Learn Your Risk Level

Person holding documents
Select the Policy That Works for You

Learn About Kinds of Coverage

Preserving Legacy and Community in Detroit’s Flood Environment

One bad rain can take away everything you’ve built for decades. Thanks to insurance and mitigation efforts, you can rebuild and preserve the spaces that help communities thrive.

Choose to Be Prepared for Flooding in Chicago

Follow these steps to protect your home and belongings from flood damage and you’ll be SET:

Documents stored in bin on table

Store important documents in a waterproof space.

Home furniture and appliances elevated on cement blocks

Elevate and anchor critical utilities.

Gutter full of debris during storm

Toss out debris from gutters and drains.

Find a Flood Insurance Provider