Flood Zones: Orland Park vs Schaumburg
How do flood zones rules compare between Orland Park, IL and Schaumburg, IL?
Orland Park and Schaumburg have similar restriction levels.
Orland Park, IL
Cook County
Orland Park participates in FEMA's National Flood Insurance Program and has adopted floodplain regulations consistent with FEMA standards. Development in mapped Special Flood Hazard Areas (Zones A and AE on the FEMA Flood Insurance Rate Map) requires a floodplain development permit. Lowest floor elevation must be at or above the regulatory flood protection elevation.
View full Orland Park 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 | Orland Park | Schaumburg |
|---|---|---|
| Mapped Zones | A, AE in SFHAs | - |
| Freeboard | 1 ft above BFE | - |
| Permit Required | All work in SFHA | - |
| Substantial Improvement | 50% of value triggers | - |
| Flood Insurance | Required for federal mortgage | - |
| 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.
Orland Park FAQ
How do I know if my Orland Park property is in a flood zone?
Check the FEMA Flood Map Service Center at msc.fema.gov, your title or insurance documents, or contact Village Public Works. Properties along Tinley Creek, Marley Creek, and Cal-Sag tributaries are most likely affected.
What can I do to my property if it's in a flood zone?
Construction, substantial improvement, fill, and grading require a floodplain development permit. New residential structures must be elevated to 1 foot above the base flood elevation. Substantial improvements trigger full compliance.
Do I need flood insurance?
If you have a federally-backed mortgage on a property in a Special Flood Hazard Area, your lender will require flood insurance under the NFIP. Even outside SFHAs, flood insurance is recommended in areas prone to local flooding.
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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