Again this is an actual question we get. So there are procedures in place to deal with this. First, Rock Island County will file a notice of violation on the deed to your property, which may prevent you from selling the property and all future owners will know of the violation.
Then we will notify your insurance company of the violation, which will lead to your insurance premiums to possibly increase to $25 per $100 of assessed value per year. So a $100,000 house would pay flood insurance of $25,000 a year, because you wanted to move back into your house. Or the insurance company could decide to drop your flood insurance and then you would be expected to pay off your mortgage in 30 days.
And finally, this is a violation of the Zoning Ordinance, which has potential fines of $500 per day.