19,253 flood insurance claims·$294.9M paid·15,047 policies in force
Shaded areas are FEMA’s mapped flood hazard zones in and around Indiana. Zoomed out they are simplified; at street level the map switches to FEMA’s exact layer. Tap anywhere to check that spot, or search an address above.
Indiana faces a mixed flood risk profile dominated by frequent riverine floods and flash floods. Over the last 30 years, NOAA data records 3,810 flood events resulting in 47 deaths, alongside 2,150 flash flood events causing 32 deaths. Lakeshore flooding and coastal flooding occur much less frequently, accounting for 14 and 2 events respectively.
Recent federal disaster declarations highlight the persistent threat of severe storms, straight-line winds, tornadoes, and flooding, with multiple declarations issued on March 30, 2025. While inland riverine and flash flooding drive the vast majority of historical weather events in the state, localized water hazards continue to trigger emergency declarations alongside severe storm activity.
Analysis of National Flood Insurance Program (NFIP) claims by FEMA zone category shows that Zone A bears the heaviest financial and volume burden, recording 13,439 claims and $235 million in total payouts with an average of $22,137 per claim. This indicates that residents in designated high-risk zones face the greatest need for formal flood insurance. However, risk is not confined to Zone A. Significant claims activity occurs in unknown and Zone X categories—including 2,680 claims in unknown zones and a combined 3,657 claims across unshaded, shaded, and general Zone X classifications—demonstrating that residents outside traditional high-risk zones also experience costly property damage and surprise flood claims.
Summary generated from FEMA disaster declarations, NOAA storm events, and NFIP claim data. Updated quarterly.
Source: OpenFEMA NFIP Claims, Policies, and Disaster Declarations data. NFIP policies in force and average premium (premium plus federal policy fee) as of August 31, 2026, from OpenFEMA.
Indiana has received 1,581 federal disaster declarations, including 233 flood and coastal storm declarations.
NFIP claims by county, 1978 to date. Source: OpenFEMA. Counties ranked by recorded flood events →
Properties in Indiana FEMA-designated Special Flood Hazard Areas (zones A and V) with a mortgage from a federally regulated or insured lender, or a federally backed loan, are required to carry flood insurance through the National Flood Insurance Program (NFIP).
Indiana had 15,047 NFIP policies in force on August 31, 2026, and the average NFIP premium was $1,038 a year (premium plus the federal policy fee; the reserve fund assessment and HFIAA surcharge come on top, and nationally they make actual bills about a quarter higher). Under FEMA’s Risk Rating 2.0 each building is priced on its own flood risk, so a state average says little about what any one home will pay.
Even outside high-risk zones, flood insurance is recommended. From 2014 to 2024, nearly one-third of NFIP claims came from properties outside the high-risk Special Flood Hazard Area. Indiana residents can purchase flood insurance through the NFIP or private insurers.
Visit FloodSmart.gov to find an agent and get a quote.
See the most flood-prone counties in Indiana →
Select a county to view local flood zone data and disaster history:
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