Flood insurance in Indiana

Flood insurance policies, average premiums, flood zones and claims history for Indiana, county by county, from official FEMA records.

Policies as of 5 September 2026Source: FEMA OpenFEMA
Active flood policies
15,361
NFIP policies in force
Average yearly premium
$1,012
$258 below the US average
Claims paid since 1978
$310.4M
across 19,787 claims
Policies in high-risk zones
71%
zones A and V, where known

Flood claims paid per year

NFIP claims paid in Indiana, 2000–2026

The three costliest years. The worst was 2008, with $106.2 million paid on 3,288 claims.

Insured buildings by flood zone

Zone V / VE0%
Coastal high-hazard areas with wave action. Flood insurance is required with a federally backed mortgage.
Zone A / AE71%
High-risk areas with a 1% chance of flooding each year. Insurance is required with a federally backed mortgage.
Zone X, B, C29%
Moderate to low risk. Insurance is optional, and policies are usually much cheaper.

Zone not reported for 42% of policies; shares are of policies with a known zone.

Costliest flood events

Named events by NFIP claims paid in Indiana

EventYearClaimsPaid
Storm20081,417$52.9 million
Hurricane Ike2008876$33.0 million
Central U.S. April Flooding2025306$15.1 million
Flooding1997485$9.3 million
2026-08-Indiana-Flooding2026446$7.3 million

Flood insurance by county

Counties in Indiana with detailed pages, by number of policies. 71 smaller counties are included in the state totals.

CountyPoliciesAvg premiumClaims since 1978Paid
Marion County2,418$1,0212,309$18.9 million
Lake County1,019$9683,013$49.5 million
Clark County732$1,161860$17.5 million
Vanderburgh County614$953821$7.5 million
Allen County596$1,1531,673$15.8 million
Vigo County590$945662$17.4 million
Hamilton County581$982497$5.9 million
Kosciusko County502$536391$4.7 million
Bartholomew County444$964506$15.0 million
Carroll County214$1,351501$17.3 million

Common questions

How much does flood insurance cost in Indiana?

The average NFIP flood insurance policy in Indiana costs about $1,012 a year. Your own premium depends on your building's flood risk, elevation and the coverage you choose.

How many homes have flood insurance in Indiana?

There are about 15,361 National Flood Insurance Program policies in force in Indiana, according to FEMA's latest policy data. Private flood policies are not included.

How often does Indiana flood?

Since 1978, NFIP policyholders in Indiana have filed 19,787 flood claims, with $310.4 million paid out. 2,269 of those claims were in the last 10 years.

Does homeowners insurance cover flooding?

No. Standard homeowners and renters insurance policies exclude flood damage. You need a separate flood policy from the NFIP or a private insurer.

How long until a new flood policy starts?

NFIP policies usually have a 30-day waiting period, so buying when a storm is already forecast is normally too late. Exceptions apply, for example when a lender requires the policy at closing.

How to get flood insurance

Most flood policies are sold through the National Flood Insurance Program by regular insurance agents. Ask the agent who handles your home or car insurance, or find one through FloodSmart.gov, FEMA's official flood insurance site. Private flood insurers also sell policies in many areas and are worth comparing.