Flood Help Guide

Indiana flood insurance and flood history

From FEMA's flood insurance and disaster data · Updated 2026-10-08

19,787NFIP flood claims since 1978
$310.4 millionPaid on those claims
$35,782Average paid claimlast 10 years
0.5%Homes with NFIP flood insurance
17Flood disaster declarationssince 2000

FEMA's National Flood Insurance Program (NFIP) data lists 19,787 flood insurance claims in Indiana since 1978. The NFIP paid $310.4 million on them (building, contents and Increased Cost of Compliance payments, in the dollars of the year paid).

The year with the most claims was 2008, with 3,288, mostly from Storm.

In the last ten years (2017–2026) there were 2,269 claims, and the average paid claim was $35,782.

21% of the claims with a recorded flood zone came from buildings outside FEMA's high-risk zones (rated zones B, C and X).

About 0.5% of homes in Indiana had an NFIP flood policy in FEMA's latest count (13,093 of 2,572,454 residential buildings). In the high-risk flood zones (Special Flood Hazard Areas), it was 17% (9,662 of 58,196).

Since 2000, FEMA has made 17 flood-related disaster declarations covering parts of Indiana. The most recent was DR-4933-IN (Severe Storms, Straight-Line Winds, Tornadoes, and Flooding), declared August 25, 2026.

Open FEMA registration in Indiana: DR-4933-IN (Severe Storms, Straight-Line Winds, Tornadoes, and Flooding): apply by October 25, 2026. See how to apply for FEMA assistance.

Flood insurance claims in Indiana by year

NFIP flood claims per year in Indiana, 1978 to 202601.2k2.5k3.8k5k1978: 439 claims, $1.0 million paid1979: 328 claims, $1.1 million paid1980: 239 claims, $584,933 paid19801981: 481 claims, $1.4 million paid1982: 1,044 claims, $5.2 million paid1983: 300 claims, $698,082 paid1984: 56 claims, $134,634 paid1985: 634 claims, $2.3 million paid1986: 79 claims, $102,213 paid1987: 55 claims, $247,305 paid1988: 21 claims, $11,500 paid1989: 262 claims, $1.0 million paid1990: 957 claims, $10.2 million paid19901991: 173 claims, $939,367 paid1992: 211 claims, $1.3 million paid1993: 411 claims, $2.7 million paid1994: 87 claims, $577,699 paid1995: 74 claims, $367,787 paid1996: 390 claims, $2.6 million paid1997: 678 claims, $11.1 million paid1998: 331 claims, $2.4 million paid1999: 169 claims, $1.3 million paid2000: 79 claims, $387,464 paid20002001: 72 claims, $231,044 paid2002: 277 claims, $1.2 million paid2003: 1,231 claims, $14.7 million paid2004: 183 claims, $3.0 million paid2005: 678 claims, $7.6 million paid2006: 911 claims, $9.7 million paid2007: 189 claims, $2.1 million paid2008: 3,288 claims, $106.2 million paid2009: 650 claims, $14.3 million paid2010: 114 claims, $1.1 million paid20102011: 723 claims, $10.1 million paid2012: 39 claims, $103,764 paid2013: 871 claims, $20.9 million paid2014: 148 claims, $1.2 million paid2015: 541 claims, $8.6 million paid2016: 105 claims, $1.2 million paid2017: 217 claims, $4.1 million paid2018: 728 claims, $21.3 million paid2019: 156 claims, $2.8 million paid2020: 53 claims, $774,940 paid20202021: 124 claims, $4.3 million paid2022: 35 claims, $613,466 paid2023: 13 claims, $39,907 paid2024: 43 claims, $716,066 paid2025: 366 claims, $17.5 million paid2026: 534 claims, $8.3 million paid
NFIP claims per year by year of loss. Hover or tap a bar for the count and amount paid. 2026 is partial.
Show as a table
YearClaimsPaid
2026534$8.3 million
2025366$17.5 million
202443$716,066
202313$39,907
202235$613,466
2021124$4.3 million
202053$774,940
2019156$2.8 million
2018728$21.3 million
2017217$4.1 million
2016105$1.2 million
2015541$8.6 million
2014148$1.2 million
2013871$20.9 million
201239$103,764
2011723$10.1 million
2010114$1.1 million
2009650$14.3 million
20083,288$106.2 million
2007189$2.1 million
2006911$9.7 million
2005678$7.6 million
2004183$3.0 million
20031,231$14.7 million
2002277$1.2 million
200172$231,044
200079$387,464
1999169$1.3 million
1998331$2.4 million
1997678$11.1 million
1996390$2.6 million
199574$367,787
199487$577,699
1993411$2.7 million
1992211$1.3 million
1991173$939,367
1990957$10.2 million
1989262$1.0 million
198821$11,500
198755$247,305
198679$102,213
1985634$2.3 million
198456$134,634
1983300$698,082
19821,044$5.2 million
1981481$1.4 million
1980239$584,933
1979328$1.1 million
1978439$1.0 million

Biggest flood events by NFIP payments

The flood events FEMA's claims data names most often for Indiana, ranked by what the NFIP paid. FEMA names events in its claims records; claims without an event name aren't included here.

EventYearClaimsPaid
Storm20081,417$52.9 million
Hurricane Ike2008876$33.0 million
Central U.S. April Flooding2025306$15.1 million
Flooding1997485$9.3 million
2026-08-Indiana-Flooding2026446$7.3 million
Flooding1990570$5.9 million
Mid-spring storms2011336$5.5 million
Flooding1982801$4.7 million
Flooding1985545$1.9 million
March storm2008103$1.6 million

Flood history by county

Every Indiana county in FEMA's data, sorted by number of NFIP claims since 1978. "Insured" is the share of homes with an NFIP policy.

CountyClaimsPaidInsuredFlood declarations
Lake County3,013$49.5 million0.5%12
Marion County2,309$18.9 million0.7%8
Allen County1,673$15.8 million0.4%7
Clark County860$17.5 million1.0%6
Vanderburgh County821$7.5 million0.7%7
Vigo County662$17.4 million1.2%4
Bartholomew County506$15.0 million1.3%4
Carroll County501$17.3 million1.9%8
Hamilton County497$5.9 million0.5%8
Howard County489$9.8 million0.4%4
Johnson County454$12.6 million0.7%6
Kosciusko County391$4.7 million1.2%7
Elkhart County378$3.8 million0.5%3
Madison County305$3.7 million0.4%8
Delaware County302$3.8 million0.7%6
Jefferson County246$5.5 million0.5%8
White County237$5.0 million0.9%8
Floyd County233$4.4 million0.5%5
Shelby County232$3.1 million1.1%5
Morgan County231$8.7 million0.7%9
Noble County226$2.8 million0.9%5
Tippecanoe County218$3.2 million0.3%5
Harrison County207$8.6 million0.3%7
Marshall County190$1.6 million0.2%6
Porter County187$2.3 million0.2%6
St. Joseph County180$1.3 million0.2%6
Fulton County173$2.2 million0.4%7
Pulaski County173$2.6 million0.7%7
Brown County160$5.0 million0.8%6
Owen County147$3.6 million0.4%10
Posey County144$2.3 million0.9%4
LaPorte County143$817,1840.3%7
Grant County139$1.7 million0.2%8
Crawford County136$2.2 million0.3%7
Monroe County126$3.8 million0.4%5
Adams County119$1.3 million0.3%4
Tipton County115$1.8 million1.7%5
Dearborn County113$2.0 million0.2%8
Jasper County113$1.6 million0.7%8
Orange County113$1.3 million0.3%7
Huntington County111$1.1 million0.3%5
Switzerland County110$1.7 million1.0%6
Wayne County109$1.2 million0.3%6
Boone County98$644,7020.7%6
Jackson County96$1.1 million0.8%5
Hancock County93$1.0 million0.6%7
Knox County81$1.0 million0.4%5
Hendricks County77$695,6190.3%5
Warrick County77$650,8820.6%6
DeKalb County67$1.5 million0.3%4
Vermillion County67$411,1420.6%6
Cass County63$840,6690.5%6
Washington County58$2.7 million0.1%7
Steuben County55$151,4200.5%0
Franklin County53$838,8450.3%8
Gibson County49$505,5640.2%7
Wabash County46$472,9340.5%6
LaGrange County45$626,6820.8%0
Spencer County45$407,9470.8%4
Jay County43$523,3880.1%5
Lawrence County43$1.0 million0.2%6
Newton County42$422,3600.7%7
Perry County42$298,4450.5%8
Wells County42$756,7200.3%3
Fayette County40$497,7680.5%4
Henry County33$601,1770.2%7
Miami County31$196,4640.3%4
Decatur County30$830,7330.2%7
Whitley County29$156,6300.5%5
Clinton County26$371,5860.3%5
Montgomery County25$373,6240.2%7
Randolph County25$143,3020.5%6
Clay County24$539,3870.2%8
Putnam County23$504,0670.2%7
Rush County23$205,1760.4%5
Starke County22$357,1890.4%5
Parke County20$348,1560.2%7
Ripley County20$120,0780.1%5
Dubois County17$381,0850.2%5
Ohio County17$110,8741.1%5
Martin County14$212,0560.1%6
Scott County12$209,6740.2%4
Daviess County11$213,4930.1%5
Greene County10$140,9730.3%8
Jennings County10$102,2230.2%5
Fountain County7$33,6510.1%6
Blackford County4$1,5160.1%3
Union County3$50,5200.0%8
Warren County2$1,9830.0%8
Pike County1$44,0000.1%8
Sullivan County1$42,2150.0%5
Benton County0$00.0%7

Flood-related FEMA disaster declarations in Indiana

Declarations since 2000 that FEMA lists as involving flooding. "Help for individuals" means FEMA's Individual Assistance was approved for at least part of the area.

DeclarationDeclaredEventHelp for individuals
DR-4933-IN Aug 25, 2026 Severe Storms, Straight-Line Winds, Tornadoes, and Flooding Apply by Oct 25, 2026 →
EM-3651-IN Aug 15, 2026 Severe Storms, Straight-Line Winds, Tornadoes, and Flooding No
DR-4882-IN Jul 22, 2025 Severe Storms, Straight-Line Winds, Tornadoes, and Flooding No
DR-4704-IN Apr 15, 2023 Severe Storms, Straight-Line Winds, and Tornadoes Yes
DR-4363-IN May 4, 2018 Severe Storms and Flooding Yes
DR-1832-IN Apr 22, 2009 Severe Storms, Tornadoes, and Flooding Yes
DR-1795-IN Sep 23, 2008 Severe Storms and Flooding Yes
DR-1766-IN Jun 8, 2008 Severe Storms, Flooding, and Tornadoes Yes
DR-1740-IN Jan 30, 2008 Severe Storms and Flooding Yes
DR-1732-IN Nov 30, 2007 Severe Storms and Flooding Yes
DR-1662-IN Oct 6, 2006 Severe Storms and Flooding Yes
DR-1573-IN Jan 21, 2005 Severe Winter Storms and Flooding Yes
DR-1542-IN Sep 1, 2004 Severe Storms, Tornadoes and Flooding No
DR-1520-IN Jun 3, 2004 Severe Storms, Tornadoes, and Flooding Yes
DR-1487-IN Sep 5, 2003 Severe Storms, Tornadoes, and Flooding Yes
DR-1476-IN Jul 11, 2003 Severe Storms, Tornadoes, and Flooding Yes
DR-1418-IN Jun 13, 2002 Severe Storms, Tornadoes and Flooding Yes

What to do with this

A county's history doesn't tell you your own building's risk. To see your property's flood zone, use FEMA's flood map lookup. To weigh coverage, start with do I need flood insurance? and what flood insurance costs.

Where these numbers come from

All figures on this page are calculated from FEMA's public OpenFEMA datasets:

FEMA's redacted claims data doesn't identify properties, and FEMA notes that some records lack a county or flood zone. See how we use the data.