Sugar Grove, Illinois Flood Zones
Last updated: March 2026
Sugar Grove faces flooding from Waubonsee Creek and Blackberry Creek in Kane County. Heavy rainfall events cause these creeks to overflow their banks in the rapidly developing western suburb.
Kane County has recorded 921 NFIP flood insurance claims since 1978, totaling $11.2M in payouts. Explore the full NFIP claims data by state and county to see how this area compares nationally.
FEMA Region
Region 5
NFIP Policies
1,290
Kane County
Avg. Premium
$974/yr
Kane County
FEMA Flood Risk Profile: Kane County
Based on FEMA's National Risk Index, which evaluates flood risk at the county level using historical loss data, exposure, and vulnerability.
Inland Flood Risk
Relatively HighEst. annual loss: $99.0M
Hurricane Risk
Very LowEst. annual loss: $8K
Source: FEMA National Risk Index, county-level assessment. Individual property risk may vary.
Federal Flood Disaster History: Kane County
Kane County has been included in 5 federal flood-related disaster declarations.
These declarations affected communities across Kane County, including Sugar Grove.
Source: OpenFEMA Disaster Declarations Summaries API. Data sourced February 2026.
NFIP Flood Insurance Claims: Kane County
Properties in Kane County have filed 921 NFIP flood insurance claims totaling $11.2M in payouts since 1978. The average claim payout is $12K.
Highest-Claim Years
1996
193 claims - $4.1M
2007
109 claims - $1.7M
2013
104 claims - $1.2M
Claims by Flood Zone
Source: OpenFEMA NFIP Claims API. Data sourced March 2026. See national claims data.
What Your Flood Zone Means in Sugar Grove
Sugar Grove faces flood risk primarily from river and stream overflow during heavy rainfall, snowmelt, or upstream dam releases. When rivers exceed their banks, floodwaters spread across low-lying areas mapped in AE and A zones. The most common FEMA flood zone designations in Sugar Grove are Zone AE, Zone X. FEMA's National Risk Index estimates the county's annual expected loss from inland flooding at over $99.0M.
Riverine flood risk in Sugar Grove is driven by the proximity and elevation of properties relative to nearby waterways. Properties closer to rivers with lower ground elevations typically face higher flood insurance premiums under FEMA's Risk Rating 2.0. If your property is in a Special Flood Hazard Area (SFHA) and you have a federally regulated or government-backed mortgage, federal law generally requires your lender to ensure you carry flood insurance.
River flood maps can change when FEMA conducts new Flood Insurance Studies or when development alters drainage patterns. Letters of Map Amendment (LOMA) can remove individual properties if the natural ground elevation was always above the Base Flood Elevation and the property was inadvertently mapped in the SFHA. Use our free lookup tool to check the current flood zone for any Sugar Grove address.
Flood Insurance Discount: Sugar Grove
Sugar Grove participates in FEMA's Community Rating System (CRS), a voluntary program that rewards communities for flood mitigation efforts beyond minimum NFIP requirements. Residents in the Special Flood Hazard Area may qualify for reduced flood insurance premiums.
CRS Class
Class 6
SFHA Premium Discount
20% off
CRS classes range from 1 (best) to 10 (no discount). Sugar Grove's Class 6 rating means NFIP policyholders in the SFHA can receive up to a 20% discount on their flood insurance premiums. Properties outside the SFHA may receive a 10% discount.
Source: FEMA Community Rating System, October 2025. Discounts apply to NFIP policies only.
Sugar Grove, IL Flood Zone FAQ
What flood zones are in Sugar Grove, IL?
The most common FEMA flood zones in Sugar Grove are Zone AE, Zone X. Properties in these high-risk zones (SFHA) may require flood insurance with a federally regulated or government-backed mortgage.
Is flood insurance required in Sugar Grove?
If your Sugar Grove property is in a Special Flood Hazard Area (SFHA) and you have a federally regulated or government-backed mortgage, federal law generally requires your lender to ensure you carry flood insurance. Properties in Zone X are not federally required to carry flood insurance, though coverage is still recommended since over 40% of all NFIP flood claims come from Zone X properties.
How do I check my flood zone in Sugar Grove?
Enter your Sugar Grove address in the search tool above for an instant flood zone determination. Results include your FEMA flood zone, SFHA status, base flood elevation (if available), and FIRM panel information, pulled directly from FEMA's National Flood Hazard Layer.
Does Sugar Grove offer flood insurance discounts?
Yes. Sugar Grove participates in FEMA's Community Rating System (CRS) with a Class 6 rating, qualifying residents in the Special Flood Hazard Area for up to a 20% discount on NFIP flood insurance premiums. Properties outside the SFHA may receive a 10% discount.
Has Sugar Grove experienced major flooding events?
Kane County, where Sugar Grove is located, has been part of 5 federal disaster declarations for flooding, hurricanes, or severe storms. The most recent was Severe Storms, Straight-Line Winds, and Flooding in 2013. Federal disaster declarations are issued when flooding overwhelms local resources and triggers FEMA assistance programs.
How many flood insurance claims have been filed in Sugar Grove?
Kane County has recorded 921 NFIP flood insurance claims totaling $11.2M in payouts since 1978. The year with the most claims was 1996, with 193 claims and $4.1M in payouts. These figures cover all NFIP claims in the county, including Sugar Grove.
How many flood insurance policies are active in Sugar Grove?
Kane County currently has 1,290 active NFIP flood insurance policies with an average annual premium of $974. The most policies are in Zone AE (942 policies). These figures cover all active NFIP policies in the county.
Can my Sugar Grove property be removed from a high-risk flood zone?
Yes, if your property's natural ground elevation is above the Base Flood Elevation and FEMA inadvertently mapped it in a high-risk zone, you can apply for a Letter of Map Amendment (LOMA). A successful LOMA removes the property from the Special Flood Hazard Area, generally eliminating the federal mandatory flood insurance requirement. You will need an elevation certificate from a licensed surveyor. If a property was raised above the BFE with fill material, the process is a LOMR-F rather than a LOMA.
What is Base Flood Elevation in Sugar Grove?
Base Flood Elevation (BFE) is the predicted height of floodwaters during a 1% annual chance (100-year) flood, shown on FEMA maps as an elevation number in feet above sea level. In Sugar Grove's Zone AE areas, BFE lines appear on the FIRM as wavy contours labeled with elevation values. Properties with a lowest floor at or above the BFE typically qualify for significantly lower NFIP flood insurance premiums.
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Disclaimer: Flood risk data on this page is sourced from FEMA datasets including the National Risk Index, NFIP claims and policy records, disaster declarations, and the Community Rating System. These datasets were last extracted on March 2026 and may not reflect the most recent changes. This page is for informational purposes only and is not a certified flood zone determination. Always verify current flood zone status through FEMA or a licensed determination provider before making property, insurance, or lending decisions.