Flood Zones: Des Plaines vs Schaumburg
How do flood zones rules compare between Des Plaines, IL and Schaumburg, IL?
Des Plaines has fewer restrictions than Schaumburg.
Des Plaines, IL
Cook County
Des Plaines participates in NFIP. The Des Plaines River runs through the city and portions are in FEMA flood hazard areas. NFIP flood insurance required with federally backed mortgages in SFHAs.
View full Des Plaines rules →Schaumburg, IL
Cook County
Schaumburg has significant flood risk areas along Salt Creek and its tributaries. The Village participates in the National Flood Insurance Program (NFIP) and enforces FEMA floodplain regulations. Properties in Special Flood Hazard Areas (SFHA) face strict building requirements including elevation above base flood elevation, flood-resistant materials, and restrictions on basement construction. The Village's floodplain ordinance may exceed minimum NFIP standards through the Community Rating System (CRS).
View full Schaumburg rules →Key Facts Comparison
| Fact | Des Plaines | Schaumburg |
|---|---|---|
| NFIP | Des Plaines participates | - |
| Flood Risk | Des Plaines River and tributaries — portions in SFHAs | - |
| 50% Rule | Substantial improvement triggers full flood compliance | - |
| Flood Insurance | Required with federally backed mortgages in SFHAs | - |
| Contact | Public Works Engineering: 847-391-5390 | - |
| Primary Flood Source | - | Salt Creek |
| NFIP Participant | - | Yes |
| Elevation Requirement | - | 1-2 feet above BFE |
| Basement Restriction | - | Below BFE limited to parking/storage |
| Floodway Fill | - | Prohibited |
Highlighted rows indicate differences between cities.
Des Plaines FAQ
Is my property in a flood zone in Des Plaines?
Des Plaines participates in NFIP. The Des Plaines River runs through the city and portions are in FEMA flood hazard areas. NFIP flood insurance required with federally backed mortgages in SFHAs.
Do I need flood insurance in Des Plaines?
NFIP: Des Plaines participates. Flood Risk: Des Plaines River and tributaries — portions in SFHAs. 50% Rule: Substantial improvement triggers full flood compliance. Flood Insurance: Required with federally backed mortgages in SFHAs.
Schaumburg FAQ
Is my Schaumburg property in a flood zone?
Check FEMA's Flood Map Service Center or contact the Village Engineering Division. Properties near Salt Creek and its tributaries are most likely to be in a Special Flood Hazard Area. The Village can help you determine your property's flood zone designation.
Do I need flood insurance in Schaumburg?
Flood insurance is mandatory for properties with federally-backed mortgages in the Special Flood Hazard Area. Even outside the SFHA, voluntary flood insurance is recommended given Salt Creek flooding history. Standard homeowner's insurance does not cover flood damage.
Can I build an addition if my property is in the floodplain?
Yes, but the addition must comply with floodplain regulations including elevation above base flood elevation. A floodplain development permit is required. If the addition plus existing improvements exceed 50% of the structure's market value, the entire structure may need to meet current floodplain standards.
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