Indianapolis, Indiana Flood Zones
Indianapolis faces flooding from the White River, Fall Creek, Eagle Creek, and Pleasant Run. Urban development has intensified flash flooding, and the city's combined sewer system can overflow during heavy rains.
FEMA Flood Risk Profile: Marion County
Based on FEMA's National Risk Index, which evaluates flood risk at the county level using historical loss data, exposure, and vulnerability.
Inland Flood Risk
Relatively HighEst. annual loss: $163.5M
Hurricane Risk
Very LowEst. annual loss: $19K
Source: FEMA National Risk Index, county-level assessment. Individual property risk may vary.
Federal Flood Disaster History: Marion County
Marion County has been included in 3 federal flood-related disaster declarations.
These declarations affected communities across Marion County, including Indianapolis.
Source: OpenFEMA Disaster Declarations Summaries API. Data sourced February 2026.
NFIP Flood Insurance Claims: Marion County
Properties in Marion County have filed 2,185 NFIP flood insurance claims totaling $17.1M in payouts since 1978. The average claim payout is $8K.
Highest-Claim Years
2003
392 claims - $3.1M
2005
172 claims - $1.7M
2011
171 claims - $1.9M
Claims by Flood Zone
Zone A
817
Zone AE
743
Zone X
363
Zone V
1
Source: OpenFEMA NFIP Claims API. Data sourced February 2026.
Common Flood Zones in Indianapolis
Properties in Indianapolis, IN are commonly designated in these FEMA flood zones:
What Your Flood Zone Means in Indianapolis
Indianapolis faces multiple inland flood threats, including riverine flooding from nearby waterways and flash flooding from intense rainfall overwhelming urban drainage systems. Properties near river corridors face the highest risk, but stormwater backup can affect neighborhoods well outside the mapped floodplain. The most common FEMA flood zone designations in Indianapolis are Zone AE, Zone X. FEMA's National Risk Index estimates the county's annual expected loss from inland flooding at over $163.5M.
With both riverine and urban stormwater flood risk, insurance costs in Indianapolis depend heavily on a property's elevation relative to nearby waterways and the local drainage infrastructure. FEMA's Risk Rating 2.0 prices in multiple inland flood sources rather than relying on the flood zone line alone. If your property is in a Special Flood Hazard Area (SFHA) and you have a federally regulated or government-backed mortgage, federal law generally requires your lender to ensure you carry flood insurance.
Flood zone boundaries in Indianapolis can shift when FEMA updates its Flood Insurance Studies or when upstream development changes how water moves through the watershed. New stormwater infrastructure or dam modifications can also trigger map revisions. Use our free lookup tool to check the current flood zone for any Indianapolis address.
Flood Insurance Discount: Indianapolis
Indianapolis participates in FEMA's Community Rating System (CRS), a voluntary program that rewards communities for flood mitigation efforts beyond minimum NFIP requirements. Residents in the Special Flood Hazard Area may qualify for reduced flood insurance premiums.
CRS Class
Class 8
SFHA Premium Discount
10% off
CRS classes range from 1 (best) to 10 (no discount). Indianapolis's Class 8 rating means NFIP policyholders in the SFHA can receive up to a 10% discount on their flood insurance premiums. Properties outside the SFHA may receive a 5% discount.
Source: FEMA Community Rating System, October 2025. Discounts apply to NFIP policies only.
Check Your Indianapolis Address
Enter any Indianapolis, IN address to instantly see its FEMA flood zone, risk level, and whether flood insurance is required.
Free Flood Zone LookupIndianapolis, IN Flood Zone FAQ
What flood zones are in Indianapolis, IN?
The most common FEMA flood zones in Indianapolis are Zone AE, Zone X. Properties in these high-risk zones (SFHA) may require flood insurance with a federally regulated or government-backed mortgage.
Is flood insurance required in Indianapolis?
If your Indianapolis property is in a Special Flood Hazard Area (SFHA) 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 federally required to carry flood insurance, though coverage is still recommended since about 25% of all NFIP flood claims come from Zone X properties.
How do I check my flood zone in Indianapolis?
Enter your Indianapolis address in the search tool above for an instant flood zone determination. Results include your FEMA flood zone, SFHA status, base flood elevation (if available), and FIRM panel information, pulled directly from FEMA's National Flood Hazard Layer.
Does Indianapolis offer flood insurance discounts?
Yes. Indianapolis participates in FEMA's Community Rating System (CRS) with a Class 8 rating, qualifying residents in the Special Flood Hazard Area for up to a 10% discount on NFIP flood insurance premiums. Properties outside the SFHA may receive a 5% discount.
Has Indianapolis experienced major flooding events?
Marion County, where Indianapolis is located, has been part of 3 federal disaster declarations for flooding, hurricanes, or severe storms. The most recent was Hurricane Katrina Evacuation in 2005. Federal disaster declarations are issued when flooding overwhelms local resources and triggers FEMA assistance programs.
How many flood insurance claims have been filed in Indianapolis?
Marion County has recorded 2,185 NFIP flood insurance claims totaling $17.1M in payouts since 1978. The year with the most claims was 2003, with 392 claims and $3.1M in payouts. These figures cover all NFIP claims in the county, including Indianapolis.
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