Data · July 2026 data · 15-month trend
Indiana Flood Insurance Costs
Homeowners taking out or renewing NFIP flood coverage in Indiana paid an average premium of $883 in July 2026. The state pays less than the country as a whole — 10.4% under the $986 national average. The figure is up 4.9% year over year. Across 1,626 transactions in 85 counties, the highest county-level average was $2,473 in Floyd County.
What we measure: Average premium among policies newly written or renewed that month (NFIP transactions) — not the official in-force average. OpenFEMA transaction data is published on a lag of roughly two months; the latest period shown reflects that lag.
Key facts — July 2026
- Average premium
- $883
- Avg total cost (with fees)
- $1,157
- Change (year over year)
- +4.9%
- vs national average
- -10.4%
- Policies written or renewed
- 1,626
- Counties reporting
- 85
Indiana trend, last 15 months
Average premium among policies newly written or renewed each month. Bars scale to the highest month shown.
| Month | Avg premium | Premium relative to highest month | Avg total cost | Policies |
|---|---|---|---|---|
| May 2025 | $930 | $1,221 | 1,302 | |
| June 2025 | $928 | $1,218 | 1,349 | |
| July 2025 | $842 | $1,109 | 1,681 | |
| August 2025 | $936 | $1,230 | 1,578 | |
| September 2025 | $960 | $1,256 | 1,393 | |
| October 2025 | $955 | $1,253 | 1,362 | |
| November 2025 | $1,110 | $1,443 | 1,200 | |
| December 2025 | $988 | $1,303 | 1,033 | |
| January 2026 | $1,014 | $1,326 | 1,008 | |
| February 2026 | $1,005 | $1,316 | 1,056 | |
| March 2026 | $1,123 | $1,459 | 1,361 | |
| April 2026 | $955 | $1,248 | 1,279 | |
| May 2026 | $988 | $1,292 | 1,276 | |
| June 2026 | $977 | $1,277 | 1,304 | |
| July 2026 | $883 | $1,157 | 1,626 |
County breakdown — July 2026
Sorted by average premium, highest first. Rows labeled with a FIPS code are reporting areas without a matched county name. Watch the policy count before reading much into small-county averages.
| County | Avg premium | Premium relative to highest county | Avg total cost | Policies |
|---|---|---|---|---|
| Floyd County | $2,473 | $3,098 | 21 | |
| Fayette County | $2,185 | $2,696 | 5 | |
| Perry County | $2,107 | $2,751 | 7 | |
| Franklin County | $1,996 | $2,427 | 4 | |
| Crawford County | $1,974 | $2,458 | 4 | |
| Brown County | $1,962 | $2,420 | 7 | |
| Dubois County | $1,833 | $2,370 | 5 | |
| Harrison County | $1,724 | $2,143 | 6 | |
| Henry County | $1,666 | $2,199 | 7 | |
| Carroll County | $1,548 | $1,941 | 16 | |
| Orange County | $1,501 | $1,843 | 4 | |
| Putnam County | $1,487 | $1,883 | 4 | |
| Ohio County | $1,485 | $2,049 | 1 | |
| Jennings County | $1,407 | $1,732 | 6 | |
| Grant County | $1,381 | $1,776 | 3 | |
| Morgan County | $1,322 | $1,750 | 40 | |
| Jasper County | $1,314 | $1,655 | 7 | |
| Porter County | $1,272 | $1,647 | 9 | |
| Vermillion County | $1,253 | $1,625 | 9 | |
| Owen County | $1,238 | $1,533 | 4 | |
| Huntington County | $1,191 | $1,589 | 2 | |
| Ripley County | $1,185 | $1,695 | 1 | |
| Dearborn County | $1,167 | $1,561 | 8 | |
| Montgomery County | $1,136 | $1,469 | 4 | |
| Vanderburgh County | $1,132 | $1,497 | 56 | |
| Cass County | $1,125 | $1,429 | 15 | |
| White County | $1,122 | $1,416 | 11 | |
| Scott County | $1,112 | $1,384 | 2 | |
| Hamilton County | $1,111 | $1,412 | 47 | |
| Adams County | $1,101 | $1,446 | 3 | |
| Johnson County | $1,081 | $1,418 | 45 | |
| Newton County | $1,069 | $1,366 | 7 | |
| Bartholomew County | $1,063 | $1,366 | 46 | |
| Jefferson County | $1,059 | $1,411 | 10 | |
| Boone County | $1,058 | $1,353 | 14 | |
| Jay County | $1,016 | $1,271 | 1 | |
| Pulaski County | $1,005 | $1,258 | 4 | |
| Vigo County | $954 | $1,240 | 63 | |
| Marion County | $934 | $1,219 | 257 | |
| Allen County | $919 | $1,185 | 55 | |
| Lawrence County | $914 | $1,151 | 3 | |
| Elkhart County | $908 | $1,184 | 33 | |
| Lake County | $888 | $1,176 | 92 | |
| Daviess County | $888 | $1,233 | 2 | |
| Posey County | $885 | $1,151 | 13 | |
| Parke County | $865 | $1,205 | 4 | |
| LaPorte County | $858 | $1,145 | 26 | |
| Shelby County | $858 | $1,136 | 13 | |
| Madison County | $857 | $1,117 | 27 | |
| Wabash County | $850 | $1,139 | 7 | |
| Miami County | $848 | $1,137 | 7 | |
| Tipton County | $832 | $1,071 | 13 | |
| Clay County | $824 | $1,044 | 1 | |
| Delaware County | $823 | $1,106 | 25 | |
| Hendricks County | $798 | $1,051 | 12 | |
| Jackson County | $796 | $1,052 | 11 | |
| Monroe County | $792 | $1,071 | 21 | |
| Gibson County | $791 | $1,005 | 3 | |
| Tippecanoe County | $783 | $1,033 | 18 | |
| Decatur County | $771 | $1,094 | 2 | |
| Hancock County | $752 | $988 | 16 | |
| St. Joseph County | $730 | $1,000 | 27 | |
| Wayne County | $729 | $970 | 6 | |
| Fulton County | $723 | $925 | 2 | |
| Howard County | $717 | $969 | 18 | |
| Marshall County | $681 | $876 | 3 | |
| Warrick County | $675 | $911 | 16 | |
| DeKalb County | $652 | $953 | 2 | |
| Steuben County | $651 | $924 | 8 | |
| Greene County | $624 | $865 | 4 | |
| Noble County | $599 | $849 | 32 | |
| Whitley County | $598 | $820 | 16 | |
| Starke County | $594 | $885 | 14 | |
| Spencer County | $585 | $762 | 6 | |
| Randolph County | $573 | $776 | 8 | |
| Switzerland County | $563 | $812 | 3 | |
| Kosciusko County | $553 | $814 | 43 | |
| Rush County | $520 | $686 | 3 | |
| Knox County | $508 | $671 | 1 | |
| LaGrange County | $491 | $750 | 16 | |
| Washington County | $449 | $602 | 2 | |
| Clinton County | $407 | $777 | 1 | |
| Fountain County | $323 | $453 | 1 | |
| Wells County | $296 | $646 | 1 | |
| Clark County | $282 | $369 | 224 |
Use this data
Download Indiana CSV (indiana.csv) — free to reuse with attribution. Read the full methodology for formulas, update cadence, and limitations. Source: FEMA OpenFEMA NFIP policy transaction data (NFIP Redacted Policies v3).
"Indiana Flood Insurance Costs." Out of the Storm News Flood Insurance Cost Index, July 2026, based on FEMA OpenFEMA NFIP policy transaction data. https://outofthestormnews.com/flood-insurance/costs/indiana
Related guides
Compare county data, then use the editorial guides to understand how NFIP coverage and pricing work in practice.