Flood insurance cost in Indiana
In Indiana, the lowest private flood insurance quote ran $507 a year and the typical private quote ran $982. The NFIP quote ran $1,372.
Private and NFIP quotes compared
Where a property was quoted both ways, the lowest private quote came in a median 66% below the NFIP quote, and private was the cheaper option for 96% of those 71 properties. The typical private quote came in 27% below NFIP.
Median annual premiums from 1,040 carrier quotes. Lowest is the cheapest private quote a property received, typical is the middle one.
By flood zone and property type
| Group | Lowest private | Typical private | NFIP | Carrier quotes |
|---|---|---|---|---|
| Zone A, AE, AH and AO (high risk) | $550 | $1,079 | $1,654 | 784 |
| Residential properties | $493 | $956 | $1,324 | 1,027 |
How quotes have moved since 2020
- Lowest private quote$364 in 2026
- Typical private quote$956 in 2026
- NFIP quote$1,569 in 2026
Dashed lines span years with too few quotes to report a figure.
* 2026 is still in progress and runs through the latest update.
| Year | Lowest private | Typical private | NFIP | Carrier quotes |
|---|---|---|---|---|
| 2020 | $573 | $974 | $2,537 | 548 |
| 2021 | $542 | $893 | $2,529 | 310 |
| 2022 | $602 | $1,056 | n/a | 177 |
| 2025 | $601 | $995 | $1,022 | 599 |
| 2026* | $364 | $956 | $1,569 | 431 |
See what your property is quoted
The index is a median. Your price depends on your flood zone, elevation and coverage. Compare NFIP and private carriers for your address.
Common questions
- How much does flood insurance cost in Indiana?
- From Oct 2024 to Oct 2026, the typical private flood insurance quote in Indiana was $982 a year and the lowest private quote a property received was $507. NFIP quotes ran $1,372. These are medians of quotes run through Insurox, not premiums paid, and your own price depends on your property.
- Is private flood insurance cheaper than NFIP in Indiana?
- Where a property was quoted both ways, the lowest private quote came in a median 66% below the NFIP quote, and private was the cheaper option for 96% of those 71 properties. The typical private quote came in 27% below NFIP.
- Where do these numbers come from?
- From 1,040 carrier quotes returned to property owners who asked for flood insurance quotes through Insurox between Oct 2024 to Oct 2026. A place is only published when at least 20 different properties were quoted there.
More about flood insurance in Indiana
- Flood insurance in Indiana: what it covers, who needs it and how to get quotes.
- NFIP (FEMA) flood insurance
- Private flood insurance
- Commercial flood insurance
These figures are statistics about quotes, not an offer of insurance. Read how the index is calculated or go back to the national index.