Enter any address in Gary, Indiana to see its FEMA flood zone
Gary has a population of 69,093 residents. Like many communities in Indiana, properties in Gary may be located in various FEMA flood zones ranging from high-risk Special Flood Hazard Areas to low-risk zones.
Use the address lookup above to check the specific flood zone for any property in Gary. Results come directly from FEMA's National Flood Hazard Layer (NFHL).
Statewide data from OpenFEMA. City-level breakdowns coming soon.
FEMA assigns flood zone designations to areas in Gary, Indiana:
AE High Risk — 1% annual chance of flooding. Insurance required.
VE Very High Risk — Coastal flooding with wave action.
X (Shaded) Moderate Risk — 500-year floodplain.
X Low Risk — Outside major floodplains.
Properties in Gary that are in FEMA Special Flood Hazard Areas (zones A and V) with federally backed mortgages are required to carry flood insurance.
The average NFIP premium in Indiana is approximately $861 per year.
Even in low-risk zones, flood insurance is recommended — from 2014 to 2024, nearly one-third of NFIP claims came from outside high-risk areas. Visit FloodSmart.gov for quotes.