Indiana
flood insurance data
- The median paid claim, $11,897, is 68.1% below the national median of the same years ($37,248), the 15th lowest of 51 States and territories.
- Residential NFIP policies counted by FEMA fell 27.6% between 2019 (18,714) and 2025 (13,549); the first year, 2019, has the highest count of the 7.
- Two years hold 66.3% of the paid claims (year of loss 2015-2024): 2018 with 630 and 2015 with 428.
- Of the 81,681 owner registrations FEMA inspected in Indiana after disasters of every declared type, 1.8% show more than $30,000 of FEMA-inspected damage, against 2.6% nationally. The disaster with the most inspections is DR-4933, SEVERE STORMS, STRAIGHT-LINE WINDS, TORNADOES, AND FLOODING (declared 2026-08-25), with 22,509.
Source: FEMA, OpenFEMA NfipPolicies (v3, data as of 2026-09-09, retrieved 2026-10-11 and 2026-10-12), NfipClaims (v3, data as of 2026-09-09, retrieved 2026-10-12), DisasterDeclarationsSummaries (v2, data as of 2026-10-11, retrieved 2026-10-12), HousingAssistanceOwners (v2, data as of 2026-10-11, retrieved 2026-10-12), NfipCommunityStatusBook (v1, data as of 2026-10-11, retrieved 2026-10-12); CPI-U, U.S. city average, all items (CUUR0000SA0), annual average (BLS Public Data API v1, annual averages 2005-2025, retrieved 2026-10-12). Not an official federal report.
NFIP premiums in Indiana
NFIP premiums: what NFIP policyholders paid, not a quote. Across 13,549 policies (policies effective 2025; occupancy: residential (occupancyType 1,2,3,11,12,13,14); amount: FEMA field policyCost), the median is $950, and half of them fall between $694 (Q1) and $1,266 (Q3).
The median NFIP premium in Indiana, $950, is 10.0% below the national median ($1,055); it is the 14th lowest of 53 States and territories. Inside the Special Flood Hazard Area (SFHA), the median premium in Indiana is $968, 7.7% higher than outside it ($899); most of its zoned policies sit inside the SFHA (73.9%).
| Flood zone group | Policies | Q1 | Median | Q3 |
|---|---|---|---|---|
| SFHA (A, AE, AH, AO, AR, A99, V, VE) | 10,010 | $712 | $968 | $1,402 |
| Outside SFHA (X, B, C) | 3,537 | $640 | $899 | $1,149 |
By flood zone
| Flood zone | Policies | Q1 | Median | Q3 |
|---|---|---|---|---|
| AE | 7,481 | $722 | $978 | $1,424 |
| X | 3,537 | $640 | $899 | $1,149 |
| A | 2,114 | $675 | $945 | $1,375 |
| AO | 343 | $691 | $871 | $1,148 |
Policies in force by year
| Year | Policies |
|---|---|
| 2019 | 18,714 |
| 2020 | 17,533 |
| 2021 | 16,753 |
| 2022 | 15,669 |
| 2023 | 14,621 |
| 2024 | 14,072 |
| 2025 | 13,549 |
Base of each count: the yearly figures are FEMA API counts of residential policy terms, every premium included; the median and quartiles rest on the policies effective 2025 with a positive policyCost. For 2025 both bases count 13,549 policies.
NFIP paid building claims in Indiana
NFIP claims: amounts paid, not repair cost. Window: year of loss 2015-2024; 1,595 paid claims; median $11,897, half of them between $4,698 (Q1) and $30,101 (Q3), in nominal dollars. Median in 2024 dollars (CPI-U): $14,991, a monetary adjustment, not today’s cost of repair.
| Event | Paid claims | Share |
|---|---|---|
| Late July Flooding | 1 | 0.1% |
Paid claims by year of loss
| Year of loss | Paid claims |
|---|---|
| 2015 | 428 |
| 2016 | 73 |
| 2017 | 165 |
| 2018 | 630 |
| 2019 | 115 |
| 2020 | 39 |
| 2021 | 90 |
| 2022 | 21 |
| 2023 | 6 |
| 2024 | 28 |
FEMA disaster declarations
Since 2000: 23 flood, hurricane and severe-storm declarations (DR and EM) covering Indiana, 21 of them major disaster declarations.
Indiana counts 23 flood, hurricane and severe-storm declarations (DR and EM) since 2000, the 24th fewest of 53 States and territories. Severe Storm declarations are the most frequent (18), ahead of Flood (4) and Hurricane (1).
| Incident type | Declarations |
|---|---|
| Flood | 4 |
| Hurricane | 1 |
| Severe Storm | 18 |
Latest declarations
- DR-4933: SEVERE STORMS, STRAIGHT-LINE WINDS, TORNADOES, AND FLOODING (Flood, 2026-08-25)
- EM-3651: SEVERE STORMS, STRAIGHT-LINE WINDS, TORNADOES, AND FLOODING (Flood, 2026-08-15)
- DR-4882: SEVERE STORMS, STRAIGHT-LINE WINDS, TORNADOES, AND FLOODING (Flood, 2025-07-22)
- DR-4704: SEVERE STORMS, STRAIGHT-LINE WINDS, AND TORNADOES (Severe Storm, 2023-04-15)
- DR-4363: SEVERE STORMS AND FLOODING (Flood, 2018-05-04)
FEMA assistance to homeowners
Since 2002: 81,681 owner registrations inspected by FEMA in Indiana after disasters of every declared type; inspected damage is FEMA’s assessment for its assistance program, not repair cost.
| Damage band | Registrations |
|---|---|
| No FEMA-inspected damage | 9,766 |
| $1-$10,000 | 63,598 |
| $10,001-$20,000 | 4,920 |
| $20,001-$30,000 | 1,958 |
| More than $30,000 | 1,439 |
Disasters with the most inspections
- DR-4933, SEVERE STORMS, STRAIGHT-LINE WINDS, TORNADOES, AND FLOODING (declared 2026-08-25): 22,509 inspections
- DR-1795, SEVERE STORMS AND FLOODING (declared 2008-09-23): 14,251 inspections
- DR-1766, SEVERE STORMS, FLOODING, AND TORNADOES (declared 2008-06-08): 10,244 inspections
- DR-1573, SEVERE WINTER STORMS AND FLOODING (declared 2005-01-21): 9,952 inspections
- DR-1662, SEVERE STORMS AND FLOODING (declared 2006-10-06): 4,594 inspections
NFIP communities and flood maps
FEMA’s Community Status Book lists 525 NFIP communities in Indiana: 453 participate in the NFIP and 36 (6.9%) are classed in the Community Rating System (CRS). The best class among the communities counted here is 7 (Allen County *, Andrews, Town of, Bluffton, City of and 16 more): FEMA applies its CRS discount to the full-risk premium of Regular Program NFIP policies in those communities, inside or outside the SFHA, not to the whole state; a policy can be excluded if its building does not comply with local floodplain rules. The oldest flood map still in effect in Indiana dates from 1973-12-07 (Montpelier, Town of). 72 of these communities do not participate in the NFIP; 72 carry a sanction, 6 coded as a suspension and 1 as a withdrawal.
| CRS class | Communities |
|---|---|
| 7 | 19 |
| 8 | 10 |
| 9 | 4 |
| 10 | 3 |
Questions about flood insurance in Indiana
How much is flood insurance in Indiana?
NFIP policyholders in Indiana paid a median of $950 for residential policies effective 2025 (13,549 policies; FEMA field policyCost: premium, reserve fund assessment, federal policy fee and HFIAA surcharge); half paid between $694 and $1,266; $968 inside the Special Flood Hazard Area against $899 outside it: what NFIP policyholders paid, not a quote.
How many flood insurance claims has Indiana had?
1,595 NFIP building claims were paid (year of loss 2015-2024), with a median of $11,897; the year with the most was 2018 (630), and the named event with the most was Late July Flooding (1). These are amounts paid, not repair cost.
Is Indiana in a flood zone?
Of the residential NFIP policies of Indiana (policies effective 2025), 10,010 are rated inside the Special Flood Hazard Area and 3,537 outside it (zones listed: AE, X, A, AO), but these aggregates cannot tell the flood zone of an address: FEMA’s Flood Map Service Center shows it for a given property.
Named storms with paid claims in Indiana
Related tools
NFIP paid claims and premiums are not repair estimates: to estimate the cleanup of a flooded basement from published cost-guide rates, use the basement water damage repair cost calculator; for water removal and drying after any water loss, the water damage and mitigation calculator.
To set these figures against every State on one claims window, amounts paid, not repair cost: NFIP paid building claims by state.
Before using these figures
A state figure mixes very different counties and flood zones. Method and limits.
Source and notice
This product uses the Federal Emergency Management Agency’s OpenFEMA API, but is not endorsed by FEMA. The Federal Government or FEMA cannot vouch for the data or analyses derived from these data after the data have been retrieved from the Agency's website(s).