Indiana Flood Zones
Last updated: March 2026
Indiana faces riverine flooding from the Wabash, White, Ohio, and numerous smaller rivers. The state's flat terrain and agricultural landscape contribute to widespread flood risk, with urban areas experiencing increased flash flooding from impervious surface development.
3 of 92 Indiana counties are rated high or very high for inland flood risk by FEMA's National Risk Index. 24 communities participate in FEMA's Community Rating System, qualifying residents for flood insurance discounts of up to 15%.
Indiana has recorded 19,253 NFIP flood insurance claims since 1978, totaling $294.9M in payouts. See how Indiana compares in our nationwide NFIP claims data breakdown.
FEMA Region
Region 5
Also covers Illinois, Michigan, Minnesota, +2 more
NFIP Policies
17,899
Avg. Premium
$963/yr
Indiana Flood Risk Overview
County-level risk ratings from FEMA's National Risk Index across 92 Indiana counties.
Inland Flood Risk
3 of 92 counties rated high or very high
Coastal Flood Risk
0 of 3 coastal counties rated high or very high
Hurricane Risk
0 of 92 counties rated high or very high
Source: FEMA National Risk Index, county-level assessment.
Federal Flood Disaster History
Indiana has received 15 federal disaster declarations for flooding, hurricanes, severe storms, and coastal storms.
Declarations by Decade
Recent Declarations
Showing 8 most recent of 15 total declarations.
Source: OpenFEMA Disaster Declarations Summaries API. Data sourced February 2026.
NFIP Flood Insurance Claims
Indiana properties have filed 19,253 NFIP flood insurance claims totaling $294.9M in payouts since 1978. The average claim payout in 2025 was $47,516.
Recent Years
Claims by Decade
Highest-Claim Years
Claims by Flood Zone
Source: OpenFEMA NFIP Claims API. Data sourced March 2026. See national claims data.
Flood Insurance Coverage in Indiana
Only roughly 1 in 150 households in Indiana carries NFIP flood insurance (0.7% of estimated households). 88 of 92 counties have elevated flood risk but low insurance coverage. With 4,413 recorded flood events and $1.7B in damage, many flood losses in this state are likely uninsured.
Penetration Rate
0.7%
roughly 1 in 150 households
Historical Claims Ratio
1 in 1
19,253 claims over 45+ years across 17,899 current policies
Avg. Claim Payout
$15,319
Per claim, state-wide since 1978
Historically, Indiana has averaged 1.1 claims for every active policy (since 1978). This compares cumulative claims against today's policy count and does not predict future claim likelihood.
Coverage data: NFIP policies as of March 2026, claims since 1978 (March 2026), population from FEMA NRI.
Repetitive Loss Properties in Indiana
Indiana has 1,833 properties with multiple flood insurance losses, including 219 severe repetitive loss properties. 57 properties have received FEMA mitigation funding. Severe repetitive loss is a subset of multiple loss, not a separate count. Data sourced March 2026.
Multiple Loss
1,833
2+ claims within 10 years
Severe Repetitive Loss
219
4+ claims or 2 exceeding value
Mitigated
57
Received FEMA mitigation
By Flood Zone
Zone data available for 1,746 of 1,833 properties.
Source: OpenFEMA NFIP Multiple Loss Properties. Data sourced March 2026.
Recorded Flood Events in Indiana
NOAA has recorded 4,413 flood events in Indiana since 1996, causing an estimated $1.7B in property and crop damage and 66 deaths.
Total Events
4,413
Total Damage
$1.7B
Fatalities
66
Events by Decade
Costliest Events
Source: NOAA Storm Events Database, 1996-2026. Data sourced March 2026.
Flood Mitigation in Indiana
FEMA has funded mitigation for 2,218 properties in Indiana, investing $36.0M in flood risk reduction. Common mitigation actions include acquisition (buying and demolishing flood-prone structures), elevation (raising buildings above flood level), and safe rooms (wind/storm shelters for tornado and hurricane protection).
Properties by Action
Mitigation by Decade
Source: OpenFEMA Hazard Mitigation Assistance Mitigated Properties. Data sourced March 2026.
Flood Insurance Discounts in Indiana
24 Indiana communities participate in FEMA's Community Rating System (CRS), earning flood insurance premium discounts for residents in Special Flood Hazard Areas. CRS classes in Indiana range from 7 to 9, with discounts from 5% to 15%.
Class 7 - 15% discount
Class 7 - 15% discount
Class 7 - 15% discount
Class 7 - 15% discount
Class 7 - 15% discount
Class 7 - 15% discount
Class 7 - 15% discount
Class 7 - 15% discount
Class 7 - 15% discount
Class 7 - 15% discount
Class 7 - 15% discount
Class 7 - 15% discount
Source: FEMA Community Rating System, October 2025. Discounts apply to NFIP policies only. CRS classes and discounts are subject to change.
Indiana Cities
Explore flood zone information for major cities in Indiana.
Indiana Flood Zone FAQ
How do I check if my Indiana property is in a flood zone?
Enter your IN address in FludZone's free lookup tool. We query FEMA's National Flood Hazard Layer in real-time to show your flood zone designation, whether flood insurance is required, and your property's risk level.
Do I need flood insurance in Indiana?
If your Indiana property is in a Special Flood Hazard Area (SFHA), meaning zones starting with A or V, and you have a federally regulated or government-backed mortgage, federal law generally requires your lender to ensure you carry flood insurance. Properties in Zone X are not subject to the federal mandate but lenders may still require coverage, and it is often recommended given Indiana's flood history.
What are the most common flood zones in Indiana?
The most common FEMA flood zone designations in Indiana are Zone AE, Zone A, Zone X. Each zone reflects a different level of flood risk, from high-risk areas where flood insurance is generally required for federally regulated or government-backed mortgages to lower-risk areas where coverage is optional but recommended.
Can I remove my Indiana property from a flood zone?
Yes, if your Indiana property's natural ground elevation was always above the Base Flood Elevation and FEMA inadvertently mapped it in the SFHA, you can apply for a Letter of Map Amendment (LOMA) through FEMA. For properties in Indiana's AE and A zones, the LOMA process is relatively straightforward when the elevation data supports it. If your property was raised above the BFE with fill, the process is a LOMR-F. A successful LOMA generally removes the federal mandatory flood insurance requirement, but your lender may still choose to require coverage. You'll need an elevation certificate from a licensed surveyor.
Do any Indiana communities offer flood insurance discounts?
Yes, 24 Indiana communities participate in FEMA's Community Rating System (CRS), a voluntary program that rewards communities for exceeding minimum flood mitigation standards. Residents in participating communities can receive NFIP premium discounts of up to 15% in the Special Flood Hazard Area. Properties outside the SFHA also benefit: CRS classes 1 through 6 receive a 10% discount, and classes 7 through 9 receive a 5% discount on NFIP premiums. Check your city's page on FludZone to see if your community participates.
How much does flood insurance cost in Indiana?
The average NFIP flood insurance premium in Indiana is $963 per year across 17,899 active policies. Premiums vary by zone: Zone AE policies average $1,066/yr. Under FEMA's Risk Rating 2.0, your specific premium depends on property type, elevation relative to the Base Flood Elevation, and distance to water, not just your flood zone designation.
Which Indiana counties have the highest flood risk?
According to FEMA's National Risk Index, Marion, Lake, Allen are among Indiana's highest-risk counties for inland flooding. Overall, 3 of 92 Indiana counties are rated "High" or "Very High" for inland flood risk. County-level ratings account for historical flood losses, social vulnerability, and community resilience.
How many NFIP flood insurance claims has Indiana had?
Indiana has recorded 19,253 NFIP flood insurance claims totaling $294.9M in payouts since 1978. The highest-claim year was 2008, with 3,288 claims and $103.2M in payouts. This history reflects cumulative flood damage to Indiana properties across decades of storm and rainfall events.
How many Indiana properties have flooded repeatedly?
Indiana has 1,833 properties with multiple flood losses. Of these, 219 are classified as Severe Repetitive Loss, meaning they have experienced four or more NFIP claims of $5,000 or more, or two or more claims where the total exceeds the building value. 57 of these properties have been mitigated.
What percentage of Indiana homes have flood insurance?
Only roughly 1 in 150 households in Indiana carries NFIP flood insurance (0.7% of estimated households). 88 counties in Indiana have elevated flood risk but low insurance coverage, indicating a significant protection gap.
Understanding Flood Zones
Learn more about the FEMA flood zone designations common in Indiana.
Insurance & Cost
Do I Need Flood Insurance?Flood Insurance CostsNFIP vs Private InsuranceRisk Rating 2.0Community Rating SystemBuying in a Flood ZoneFlood Zone DeterminationInsurance Waiting PeriodFlood vs Homeowners InsuranceInsurance Outside the SFHAZone X Flood InsuranceFlood Zones & Property ValueLook Up Any Indiana Address
Enter a IN address to instantly check its FEMA flood zone designation, SFHA status, and insurance requirements.
Disclaimer: Flood risk data on this page is sourced from FEMA datasets including the National Risk Index, NFIP claims and policy records, disaster declarations, and the Community Rating System. These datasets were last extracted on March 2026 and may not reflect the most recent changes. This page is for informational purposes only and is not a certified flood zone determination. Always verify current flood zone status through FEMA or a licensed determination provider before making property, insurance, or lending decisions.