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Flood insurance cost · IN

Flood insurance cost in Indiana

What homeowners with a National Flood Insurance Program policy actually pay, from FEMA's records of 12,786 home policies in force on August 31, 2026.

IndianaPolicies in force on Aug 31, 2026

Median annual cost of NFIP flood insurance for a home

$961a year

Half of insured homes paid between $699 and $1,328. That is 11% less than the national median ($1,082). Most insured homes here are rated in zone AE (55%).

$0$699 · $961 · $1,328$1,660
+4.8% vs Aug 31, 2025 (median $917)
12,786home policies in force
$1,116average cost (mean)
74%of insured homes in high-risk zones (A, V)
$181,000median building coverage

This is what policyholders paid, not a quote. Two neighbors can pay very different prices: NFIP prices depend on the building (elevation, foundation, number of floors, replacement cost), the coverage and deductible chosen and the distance to water (FEMA FloodSmart: premium factors). For a price for your building, ask an insurance agent. Private flood insurance is not included in these figures.

Disaster declarations: see FEMA declarations and IRS tax relief in Indiana, county by county.

Cost by flood zone in Indiana

The flood zone on FEMA's map is one of the main price factors. Median and middle half of what insured homes paid, by the zone used to rate the policy.

Flood zoneMedianMiddle half (25th–75th percentile)AveragePoliciesvs last year
Zone AE
High risk		$994$735–$1,443$1,1907,075 (55%)+4.4%
Zone A
High risk		$967$687–$1,429$1,1682,026 (16%)+4.4%
Zone AO
High risk, shallow		$905$704–$1,150$1,017315 (2%)+7.2%
Zone AH
High risk, shallow		$1,132$981–$1,346$1,16568 (1%)+5.9%
Zone X
Moderate to low risk		$886$621–$1,198$9343,298 (26%)+4.7%

Not shown (fewer than 10 home policies): VE, A99/AR, D. Shares are of all insured homes; a few policies have no rated zone. "vs last year" compares medians with policies in force a year earlier.

Cost by type of building

All NFIP policies in force in Indiana, by what they insure.

Type of buildingPoliciesMedianAverage
Single-family home12,195$959$1,117
2–4 unit building187$1,210$1,375
Manufactured (mobile) home262$1,048$1,171
Condo or apartment unit142$482$552
Whole residential building (5+ units or condo association)
One policy covers the whole building, so the cost is much higher than for a single home.		266$2,313$3,297
Non-residential building or unit
Businesses, churches, farm buildings and other non-residential property.		1,716$1,772$2,539
14,768NFIP policies in force, any building
15,047insured units (condo association policies count every unit)
52%of home policies also cover contents
$80,000median contents coverage, when bought

One year on: Indiana

Policies in force on August 31, 2026 compared with a year earlier. Nationwide, practically all policies in both years carry FEMA's Risk Rating 2.0 occupancy codes, so both years use the same pricing system. The policies are not the same: some were new, some lapsed.

Aug 31, 2025Aug 31, 2026Change
Home policies in force13,32012,786−4.0%
Median annual cost$917$961+4.8%
Average annual cost$1,053$1,116+6.0%
All policies in force (any building)15,37914,768−4.0%

Flood claims history

Since 1978, NFIP policyholders in Indiana have filed 19,787 flood claims. 15,601 received a payment, for a total of $310.4 million (an average of $19,894 per paid claim). The year with the most claims was 2008 (3,288 claims). Amounts are in dollars of the time, not adjusted for inflation.

01k2k3k4k1978: 439 claims, 353 paid, $1,046,195 in total1979: 328 claims, 272 paid, $1,080,630 in total1980: 239 claims, 181 paid, $584,933 in total19801981: 481 claims, 381 paid, $1,369,406 in total1982: 1,044 claims, 886 paid, $5,153,756 in total19821983: 300 claims, 198 paid, $698,082 in total1984: 56 claims, 20 paid, $134,634 in total1985: 634 claims, 448 paid, $2,257,017 in total1986: 79 claims, 42 paid, $102,213 in total1987: 55 claims, 26 paid, $247,305 in total1988: 21 claims1989: 262 claims, 157 paid, $1,031,828 in total1990: 957 claims, 733 paid, $10,228,940 in total19901991: 173 claims, 118 paid, $939,367 in total1992: 211 claims, 144 paid, $1,292,117 in total1993: 411 claims, 283 paid, $2,748,149 in total1994: 87 claims, 63 paid, $577,699 in total1995: 74 claims, 41 paid, $367,787 in total1996: 390 claims, 273 paid, $2,585,945 in total1997: 678 claims, 569 paid, $11,113,637 in total1998: 331 claims, 235 paid, $2,361,578 in total1999: 169 claims, 126 paid, $1,268,551 in total2000: 79 claims, 55 paid, $387,464 in total20002001: 72 claims, 38 paid, $231,044 in total2002: 277 claims, 180 paid, $1,176,591 in total2003: 1,231 claims, 973 paid, $14,734,492 in total20032004: 183 claims, 130 paid, $2,967,837 in total2005: 678 claims, 574 paid, $7,557,430 in total2006: 911 claims, 755 paid, $9,696,134 in total2007: 189 claims, 132 paid, $2,148,910 in total2008: 3,288 claims, 2,936 paid, $106,229,066 in total20082009: 650 claims, 561 paid, $14,282,383 in total2010: 114 claims, 77 paid, $1,089,306 in total20102011: 723 claims, 595 paid, $10,102,392 in total2012: 39 claims, 18 paid, $103,764 in total2013: 871 claims, 738 paid, $20,905,665 in total2014: 148 claims, 88 paid, $1,232,130 in total2015: 541 claims, 431 paid, $8,628,076 in total2016: 105 claims, 76 paid, $1,221,691 in total2017: 217 claims, 166 paid, $4,120,827 in total2018: 728 claims, 632 paid, $21,260,549 in total2019: 156 claims, 116 paid, $2,803,447 in total2020: 53 claims, 40 paid, $774,940 in total20202021: 124 claims, 91 paid, $4,349,855 in total2022: 35 claims, 21 paid, $613,466 in total2023: 13 claims2024: 43 claims, 29 paid, $716,066 in total2025: 366 claims, 315 paid, $17,515,362 in total2026: 534 claims, 274 paid, $8,277,854 in total
Flood claims per year of loss, 1978–2026. Years with fewer than 10 claims are left blank. Hover a bar for details.
All years with at least 10 claims (49)

Swipe the table sideways to see all columns.

Year of lossClaimsPaid claimsTotal paidAverage per paid claim
2026534274$8,277,854$30,211
2025366315$17,515,362$55,604
20244329$716,066$24,692
202313<10––
20223521$613,466$29,213
202112491$4,349,855$47,801
20205340$774,940$19,374
2019156116$2,803,447$24,168
2018728632$21,260,549$33,640
2017217166$4,120,827$24,824
201610576$1,221,691$16,075
2015541431$8,628,076$20,019
201414888$1,232,130$14,001
2013871738$20,905,665$28,327
20123918$103,764$5,765
2011723595$10,102,392$16,979
201011477$1,089,306$14,147
2009650561$14,282,383$25,459
20083,2882,936$106,229,066$36,182
2007189132$2,148,910$16,280
2006911755$9,696,134$12,843
2005678574$7,557,430$13,166
2004183130$2,967,837$22,830
20031,231973$14,734,492$15,143
2002277180$1,176,591$6,537
20017238$231,044$6,080
20007955$387,464$7,045
1999169126$1,268,551$10,068
1998331235$2,361,578$10,049
1997678569$11,113,637$19,532
1996390273$2,585,945$9,472
19957441$367,787$8,970
19948763$577,699$9,170
1993411283$2,748,149$9,711
1992211144$1,292,117$8,973
1991173118$939,367$7,961
1990957733$10,228,940$13,955
1989262157$1,031,828$6,572
198821<10––
19875526$247,305$9,512
19867942$102,213$2,434
1985634448$2,257,017$5,038
19845620$134,634$6,732
1983300198$698,082$3,526
19821,044886$5,153,756$5,817
1981481381$1,369,406$3,594
1980239181$584,933$3,232
1979328272$1,080,630$3,973
1978439353$1,046,195$2,964

From 2016 to 2026: 2,374 claims (counting only years with at least 10). 2026 is a partial year. Claims are counted where the insured property is; they include buildings and contents, homes and businesses.

Counties in Indiana

Counties with at least 100 NFIP home policies in force have their own page.

Other counties (fewer policies, no separate page)
CountyHome policiesMedian
Adams County44$930
Brown County70$1,264
Cass County88$1,199
Clay County31$1,117
Clinton County44$1,314
Crawford County17$1,527
Daviess County14$834
DeKalb County54$931
Dearborn County37$1,025
Decatur County24$1,214
Dubois County31$1,061
Fayette County50$1,182
Franklin County29$1,521
Fulton County35$1,040
Gibson County22$684
Grant County63$1,186
Greene County45$1,184
Harrison County58$1,461
Henry County48$1,000
Huntington County43$831
Jay County12$907
Jefferson County75$1,245
Jennings County21$1,391
Knox County60$674
Lawrence County32$1,422
Marshall County45$864
Miami County51$1,037
Montgomery County31$1,208
Newton County47$932
Ohio County28$1,156
Orange County28$1,512
Owen County41$1,318
Parke County15$931
Perry County41$1,325
Pulaski County53$1,037
Putnam County34$1,414
Randolph County64$874
Ripley County11$1,475
Rush County34$751
Scott County20$1,066
Spencer County84$750
Starke County48$750
Switzerland County56$1,164
Vermillion County45$1,278
Wabash County70$892
Wayne County78$1,042
Wells County37$1,025
Whitley County67$699

ZIP codes with the most insured homes