Planning and Development - Division of Water Resources

Flooding and Flood Protection

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If you are interested in purchasing flood insurance, contact your local insurance agent or 1-800-720-1090 to reach specialists with the National Flood Insurance Program.  All residents of unincorporated McHenry County are eligible to purchase flood insurance (separate policy from your homeowner's insurance) at a 10% discount.  Typically, there is a 30-day waiting period from date of purchase until your policy goes into effect. 

Flood coverage limits for a standard flood policy are:
One to four-family structure = $250,000
One to four-family home contents = $100,000
Other residential structures = $500,000
Other residential contents = $100,000
Business structure = $500,000
Business contents = $500,000
Renter contents = $100,000 

 

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