What Our Indiana Quotes Show
Annual premiums from our own Indiana quotes, January 2024 to October 2026.
$541
Median yearly quote across 94 priced Indiana quotes, all flood zones. Private quotes include agency fees.
$657
Median yearly quote in Zone AE (56 quotes), where your lender requires flood insurance. Half landed between $350 and $1,038.
$429
Median yearly quote in Zone X (33 quotes), where coverage is optional but floods still happen. Half landed between $331 and $556.
On the Same Indiana Homes, Private Beat the NFIP 78 Times Out of 83
We quote the National Flood Insurance Program and private carriers side by side on every Indiana home. Here is what that looked like on the same houses:
- Zone AE (47 homes): NFIP median $2,014 a year, private median $653
- Zone X (33 homes): NFIP median $853, private median $429
- Homes with basements (22 homes): NFIP median $1,528, private median $605
Where both quotes carried the same deductible, private was lower on 49 of 53 homes. And 47 of 98 Indiana homes we quoted needed more than the NFIP's $250,000 building limit.
Private is not always the answer. If a home has a history of repeat flood claims, the NFIP can be the safer long-term home. We will tell you which one fits.
Straight Answers Before You Buy
These are the questions Indiana homebuyers, real estate agents and lenders ask us most.
Why is my flood limit lower than my homeowners limit?
Flood carriers insure what it costs to rebuild the structure itself, worked out from its size and build. Your homeowners policy may carry a higher number for other reasons. We will walk you through how yours was set.
Is my basement covered?
About one in three Indiana homes we quote has a basement. The NFIP typically will not cover a finished basement, and most private carriers will not either when it is below grade on every side. We pin down what your carrier will pay for before you buy.
Can you get a policy in place before my closing?
Yes. Send the address and closing date and a licensed flood advisor follows up within one business day. The NFIP waives its 30 day wait for a loan closing, and we send proof and your mortgagee clause to your lender.
Your Lender Uses FEMA's Map. Your Permit Office May Use Indiana's.
FEMA's flood maps decide whether your lender requires flood insurance. Indiana DNR keeps its own best available floodplain map for building permits, and it was updated for 12 counties in July 2026, including Allen, Boone, Hamilton, Gibson and Warrick. We check both before we quote.
Flooded in August? The August 11, 2026 storms put Marion, Hamilton, Lake, Porter and 19 other Indiana counties under a federal disaster declaration. A federal disaster grant is not a flood policy. If you flooded, check DisasterAssistance.gov or call 800-621-3362 for the help still available to you, then protect your home before the next storm.
