Menu

Flood insurance cost · Vanderburgh County, IN

Flood insurance cost in Vanderburgh County, Indiana

What homeowners with a National Flood Insurance Program policy actually pay, from FEMA's records of 447 home policies in force on August 31, 2026.

Vanderburgh County, IndianaPolicies in force on Aug 31, 2026

Median annual cost of NFIP flood insurance for a home

$935a year

Half of insured homes paid between $682 and $1,204. That is 3% less than the Indiana median ($961). The most common flood zone for insured homes here is zone X (40%).

$0$682 · $935 · $1,204$1,505
+8.1% vs Aug 31, 2025 (median $865)
447home policies in force
$1,051average cost (mean)
60%of insured homes in high-risk zones (A, V)
$200,000median 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 Vanderburgh 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		$1,048$758–$1,467$1,231180 (40%)+6.8%
Zone A
High risk		$900$715–$1,254$1,03086 (19%)+4.0%
Zone X
Moderate to low risk		$828$621–$1,087$883181 (40%)+4.9%

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 Vanderburgh County, by what they insure.

Type of buildingPoliciesMedianAverage
Single-family home434$932$1,054
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.		12$1,926$1,934
Non-residential building or unit
Businesses, churches, farm buildings and other non-residential property.		141$1,550$1,921

Not shown (fewer than 10 policies): 2–4 unit building, manufactured (mobile) home, condo or apartment unit.

600NFIP policies in force, any building
600insured units (condo association policies count every unit)
64%of home policies also cover contents
$94,000median contents coverage, when bought

One year on: Vanderburgh 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 force465447−3.9%
Median annual cost$865$935+8.1%
Average annual cost$998$1,051+5.3%
All policies in force (any building)619600−3.1%

How many homes have flood insurance?

0.7%of all homes in Vanderburgh County have an NFIP policy
10.0%of homes in high-risk zones (special flood hazard area) have one
66,674residential buildings counted by FEMA
2,772of 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 Vanderburgh County, Indiana have filed 821 flood claims. 662 received a payment, for a total of $7,463,772 (an average of $11,275 per paid claim). The year with the most claims was 1980 (110 claims). Amounts are in dollars of the time, not adjusted for inflation.

0501001502001978: 17 claims, 13 paid, $17,769 in total1979: 29 claims, 25 paid, $48,402 in total1980: 110 claims, 86 paid, $324,511 in total198019801981: 22 claims, 20 paid, $53,999 in total1983: 40 claims, 30 paid, $76,544 in total1984: 13 claims1986: 17 claims, 10 paid, $16,693 in total1989: 31 claims, 28 paid, $124,863 in total1990: 10 claims19901991: 19 claims, 15 paid, $85,998 in total1996: 58 claims, 44 paid, $494,562 in total1997: 67 claims, 62 paid, $978,340 in total199720002004: 13 claims, 13 paid, $108,476 in total2005: 24 claims, 18 paid, $277,206 in total2006: 60 claims, 44 paid, $692,313 in total2008: 29 claims, 25 paid, $268,092 in total20102011: 94 claims, 85 paid, $1,771,686 in total20112014: 16 claims, 11 paid, $160,136 in total2018: 28 claims, 27 paid, $530,604 in total20202025: 32 claims, 27 paid, $765,448 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 (20)

Swipe the table sideways to see all columns.

Year of lossClaimsPaid claimsTotal paidAverage per paid claim
20253227$765,448$28,350
20182827$530,604$19,652
20141611$160,136$14,558
20119485$1,771,686$20,843
20082925$268,092$10,724
20066044$692,313$15,734
20052418$277,206$15,400
20041313$108,476$8,344
19976762$978,340$15,780
19965844$494,562$11,240
19911915$85,998$5,733
199010<10––
19893128$124,863$4,459
19861710$16,693$1,669
198413<10––
19834030$76,544$2,551
19812220$53,999$2,700
198011086$324,511$3,773
19792925$48,402$1,936
19781713$17,769$1,367

From 2016 to 2026: 60 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

Unincorporated Vanderburgh County (227 home policies) · Evansville (220 home policies)