Flood insurance cost · Delaware County, IN

Flood insurance cost in Delaware County, Indiana

What homeowners with a National Flood Insurance Program policy actually pay, from FEMA's records of 321 home policies in force on August 31, 2026.

Delaware County, IndianaPolicies in force on Aug 31, 2026

Median annual cost of NFIP flood insurance for a home

$1,008a year

Half of insured homes paid between $774 and $1,265. That is 5% more than the Indiana median ($961). Most insured homes here are rated in zone AE (78%).

$0$774 · $1,008 · $1,265$1,581

+6.3% vs Aug 31, 2025 (median $948)

321home policies in force

$1,098average cost (mean)

84%of insured homes in high-risk zones (A, V)

$160,000median 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: 3 FEMA declarations · individual aid · IRS Feb 1, 2027. FEMA declarations and IRS tax relief in Delaware County.

Cost by flood zone in Delaware County

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 zone	Median	Middle half (25th–75th percentile)	Average	Policies	vs last year
Zone AE High risk	$1,014	$796–$1,276	$1,112	251 (78%)	+6.0%
Zone A High risk	$1,054	$742–$1,332	$1,265	18 (6%)	+11.9%
Zone X Moderate to low risk	$994	$660–$1,262	$973	52 (16%)	+9.7%

Not shown (fewer than 10 home policies): VE, AO, AH, 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 Delaware County, by what they insure.

Type of building	Policies	Median	Average
Single-family home	292	$989	$1,093
2–4 unit building	26	$1,211	$1,191
Non-residential building or unit Businesses, churches, farm buildings and other non-residential property.	19	$2,441	$2,975

Not shown (fewer than 10 policies): manufactured (mobile) home, condo or apartment unit, whole residential building (5+ units or condo association).

340NFIP policies in force, any building

340insured units (condo association policies count every unit)

45%of home policies also cover contents

$80,000median contents coverage, when bought

One year on: Delaware County

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, 2025	Aug 31, 2026	Change
Home policies in force	326	321	−1.5%
Median annual cost	$948	$1,008	+6.3%
Average annual cost	$1,033	$1,098	+6.3%
All policies in force (any building)	345	340	−1.4%

How many homes have flood insurance?

0.7%of all homes in Delaware County have an NFIP policy

24.2%of homes in high-risk zones (special flood hazard area) have one

44,375residential buildings counted by FEMA

1,126of them in high-risk zones

FEMA NFIP Residential Penetration Rates, data as of August 3, 2026: residential contracts in force divided by residential structures.

Flood claims history

Since 1978, NFIP policyholders in Delaware County, Indiana have filed 303 flood claims. 219 received a payment, for a total of $3,812,147 (an average of $17,407 per paid claim). The year with the most claims was 2026 (59 claims). Amounts are in dollars of the time, not adjusted for inflation.

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 (9)

Swipe the table sideways to see all columns.

Year of loss	Claims	Paid claims	Total paid	Average per paid claim
2026	59	34	$1,216,902	$35,791
2015	15	11	$264,126	$24,011
2013	15	14	$257,108	$18,365
2011	32	29	$545,483	$18,810
2005	14	11	$118,785	$10,799
2003	37	31	$579,956	$18,708
1993	14	11	$130,374	$11,852
1992	18	17	$170,231	$10,014
1990	18	13	$116,730	$8,979

From 2016 to 2026: 59 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.

Main NFIP communities in the county

Muncie (170 home policies) · Unincorporated Delaware County (125 home policies) · Yorktown (20 home policies)