Menu

Flood insurance cost · Marion County, IN

Flood insurance cost in Marion County, Indiana

What homeowners with a National Flood Insurance Program policy actually pay, from FEMA's records of 2,004 home policies in force on August 31, 2026.

Marion County, IndianaPolicies in force on Aug 31, 2026

Median annual cost of NFIP flood insurance for a home

$910a year

Half of insured homes paid between $689 and $1,291. That is 5% less than the Indiana median ($961). Most insured homes here are rated in zone AE (72%).

$0$689 · $910 · $1,291$1,614
+3.6% vs Aug 31, 2025 (median $878)
2,004home policies in force
$1,115average cost (mean)
78%of insured homes in high-risk zones (A, V)
$174,000median 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 Marion County.

Cost by flood zone in Marion 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 zoneMedianMiddle half (25th–75th percentile)AveragePoliciesvs last year
Zone AE
High risk		$944$722–$1,388$1,1801,451 (72%)+2.6%
Zone A
High risk		$778$643–$994$859114 (6%)+3.6%
Zone X
Moderate to low risk		$824$609–$1,201$968432 (22%)+0.4%

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 Marion County, by what they insure.

Type of buildingPoliciesMedianAverage
Single-family home1,943$919$1,124
2–4 unit building22$1,200$1,366
Condo or apartment unit37$535$554
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.		61$3,401$3,169
Non-residential building or unit
Businesses, churches, farm buildings and other non-residential property.		244$1,864$2,626

Not shown (fewer than 10 policies): manufactured (mobile) home.

2,309NFIP policies in force, any building
2,384insured units (condo association policies count every unit)
46%of home policies also cover contents
$75,000median contents coverage, when bought

One year on: Marion 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, 2025Aug 31, 2026Change
Home policies in force2,0732,004−3.3%
Median annual cost$878$910+3.6%
Average annual cost$1,072$1,115+4.0%
All policies in force (any building)2,4212,309−4.6%

How many homes have flood insurance?

0.7%of all homes in Marion County have an NFIP policy
16.0%of homes in high-risk zones (special flood hazard area) have one
306,743residential buildings counted by FEMA
10,075of 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 Marion County, Indiana have filed 2,310 flood claims. 1,663 received a payment, for a total of $18.9 million (an average of $11,358 per paid claim). The year with the most claims was 2003 (392 claims). Amounts are in dollars of the time, not adjusted for inflation.

01002003004001978: 106 claims, 74 paid, $315,191 in total1979: 65 claims, 50 paid, $83,921 in total1980: 26 claims, 19 paid, $32,700 in total19801981: 19 claims, 15 paid, $17,368 in total1982: 13 claims1984: 11 claims1985: 60 claims, 40 paid, $184,941 in total1986: 29 claims, 14 paid, $54,148 in total1989: 38 claims, 19 paid, $116,828 in total1990: 162 claims, 129 paid, $1,416,183 in total19901991: 30 claims, 18 paid, $81,103 in total1992: 37 claims, 20 paid, $81,621 in total1993: 61 claims, 45 paid, $305,059 in total1996: 11 claims1998: 24 claims, 18 paid, $118,670 in total1999: 39 claims, 31 paid, $258,097 in total20002002: 46 claims, 27 paid, $207,911 in total2003: 392 claims, 300 paid, $3,081,512 in total20032004: 24 claims, 13 paid, $58,873 in total2005: 172 claims, 142 paid, $1,719,531 in total20052006: 23 claims, 13 paid, $204,477 in total2007: 27 claims, 24 paid, $145,773 in total2008: 147 claims, 119 paid, $2,181,571 in total2009: 49 claims, 38 paid, $446,057 in total2010: 28 claims, 21 paid, $226,605 in total20102011: 171 claims, 131 paid, $1,873,987 in total20112013: 94 claims, 79 paid, $1,215,093 in total2014: 14 claims2015: 99 claims, 83 paid, $1,241,390 in total2016: 37 claims, 27 paid, $435,470 in total2017: 23 claims, 18 paid, $244,991 in total2019: 12 claims, 10 paid, $142,028 in total20202025: 16 claims, 13 paid, $292,337 in total2026: 124 claims, 56 paid, $1,650,098 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 (34)

Swipe the table sideways to see all columns.

Year of lossClaimsPaid claimsTotal paidAverage per paid claim
202612456$1,650,098$29,466
20251613$292,337$22,487
20191210$142,028$14,203
20172318$244,991$13,611
20163727$435,470$16,129
20159983$1,241,390$14,957
201414<10––
20139479$1,215,093$15,381
2011171131$1,873,987$14,305
20102821$226,605$10,791
20094938$446,057$11,738
2008147119$2,181,571$18,333
20072724$145,773$6,074
20062313$204,477$15,729
2005172142$1,719,531$12,109
20042413$58,873$4,529
2003392300$3,081,512$10,272
20024627$207,911$7,700
19993931$258,097$8,326
19982418$118,670$6,593
199611<10––
19936145$305,059$6,779
19923720$81,621$4,081
19913018$81,103$4,506
1990162129$1,416,183$10,978
19893819$116,828$6,149
19862914$54,148$3,868
19856040$184,941$4,624
198411<10––
198213<10––
19811915$17,368$1,158
19802619$32,700$1,721
19796550$83,921$1,678
197810674$315,191$4,259

From 2016 to 2026: 212 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

Indianapolis (2,000 home policies)