Indiana Flood Zones
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%.
FEMA Region
Region 5
Also covers Illinois, Michigan, Minnesota, +2 more
NFIP Policies
27,000
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.
2020s
1
2010s
1
2000s
1
1990s
4
1980s
1
1970s
2
1960s
3
1950s
2
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 is $15K.
Claims by Decade
2020s
634
2010s
3,642
2000s
7,558
1990s
3,481
1980s
3,171
1970s
767
Highest-Claim Years
Claims by Flood Zone
Zone A
7,877
Zone AE
4,688
Zone X
3,607
Zone AO
340
Zone AOB
27
Zone AH
23
Zone V
6
Zone D
4
Source: OpenFEMA NFIP Claims API. Data sourced February 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%.
Decatur
Class 7 - 15% discount
Columbus
Class 7 - 15% discount
Jeffersonville
Class 7 - 15% discount
Noblesville
Class 7 - 15% discount
Huntington
Class 7 - 15% discount
Warren
Class 7 - 15% discount
Roanoke
Class 7 - 15% discount
Andrews
Class 7 - 15% discount
Merrillville
Class 7 - 15% discount
Bluffton
Class 7 - 15% discount
Ossian
Class 7 - 15% discount
Vera Cruz
Class 7 - 15% discount
+12 more Indiana communities participate in CRS.
Source: FEMA Community Rating System, October 2025. Discounts apply to NFIP policies only.
Look Up Any Indiana Address
Enter a IN address to instantly check its FEMA flood zone designation, SFHA status, and insurance requirements.
Free Flood Zone LookupIndiana 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.
Sources
This page summarizes information from FEMA and other official resources in plain language. For full technical details, see the links below.
- FEMA National Flood Hazard LayerDirect Source
The NFHL is the source of all flood zone data shown on this page.
- FEMA Map Service Center — Search by AddressDirect Source
Look up any address to view FIRM panels, FIS reports, and LOMCs.
- NFHL Data and Map StatusTopic Page
View NFHL coverage and data freshness by state and community.
- FEMA National Risk Index — Data ResourcesDirect Source
County-level risk scores for inland flooding, coastal flooding, and hurricane used in the Flood Risk Profile.
- OpenFEMA Disaster Declarations Summaries API v2Direct Source
Federal disaster declarations filtered for flood-related incident types (Flood, Hurricane, Severe Storm, Coastal Storm).
- OpenFEMA FIMA NFIP Claims API v2Direct Source
Historical NFIP flood insurance claims since 1978, aggregated by county and state. Includes claim counts, payouts, and flood zone breakdowns.
Sources last verified: February 2026
Understanding Flood Zones
Learn more about the FEMA flood zone designations common in Indiana.