Flood insurance cost · Steuben County, IN

Flood insurance cost in Steuben County, Indiana

What homeowners with a National Flood Insurance Program policy actually pay, from FEMA's records of 105 home policies in force on August 31, 2026.

Steuben County, IndianaPolicies in force on Aug 31, 2026

Median annual cost of NFIP flood insurance for a home

$861a year

Half of insured homes paid between $633 and $1,134. That is 10% less than the Indiana median ($961). Most insured homes here are rated in zone A (87%).

$0$633 · $861 · $1,134$1,418

+5.8% vs Aug 31, 2025 (median $814)

105home policies in force

$910average cost (mean)

88%of insured homes in high-risk zones (A, V)

$179,000median 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.

Cost by flood zone in Steuben 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 A High risk	$815	$618–$1,112	$892	91 (87%)	+4.2%
Zone X Moderate to low risk	$1,047	$725–$1,261	$1,023	13 (12%)	+4.2%

Not shown (fewer than 10 home policies): VE, AE, 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 Steuben County, by what they insure.

Type of building	Policies	Median	Average
Single-family home	92	$864	$909
Manufactured (mobile) home	12	$908	$951

Not shown (fewer than 10 policies): 2–4 unit building, condo or apartment unit, whole residential building (5+ units or condo association), non-residential building or unit.

107NFIP policies in force, any building

107insured units (condo association policies count every unit)

46%of home policies also cover contents

$99,500median contents coverage, when bought

One year on: Steuben 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	109	105	−3.7%
Median annual cost	$814	$861	+5.8%
Average annual cost	$864	$910	+5.3%
All policies in force (any building)	110	107	−2.7%

How many homes have flood insurance?

0.5%of all homes in Steuben County have an NFIP policy

11.3%of homes in high-risk zones (special flood hazard area) have one

21,821residential buildings counted by FEMA

812of 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 Steuben County, Indiana have filed 57 flood claims. 34 received a payment, for a total of $198,006 (an average of $5,824 per paid claim). The year with the most claims was 1996 (14 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 (2)

Swipe the table sideways to see all columns.

Year of loss	Claims	Paid claims	Total paid	Average per paid claim
1996	14	<10	–	–
1982	10	<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

Unincorporated Steuben County (101 home policies)