Data · June 2026 data · 14-month trend
Indiana Flood Insurance Costs
Homeowners taking out or renewing NFIP flood coverage in Indiana paid an average premium of $977 in June 2026. The state pays less than the country as a whole — 2.5% under the $1,001 national average. The figure is up 5.2% year over year. Across 1,304 transactions in 81 counties, the highest county-level average was $2,588 in Grant 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 — June 2026
- Average premium
- $977
- Avg total cost (with fees)
- $1,277
- Change (year over year)
- +5.2%
- vs national average
- -2.5%
- Policies written or renewed
- 1,304
- Counties reporting
- 81
Indiana trend, last 14 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 |
County breakdown — June 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 |
|---|---|---|---|---|
| Grant County | $2,588 | $3,126 | 5 | |
| Harrison County | $2,403 | $3,004 | 7 | |
| Parke County | $2,393 | $3,120 | 2 | |
| FIPS 18000 | $2,169 | $2,857 | 3 | |
| DeKalb County | $2,134 | $2,655 | 7 | |
| Jefferson County | $2,044 | $2,596 | 4 | |
| Marshall County | $1,920 | $2,466 | 7 | |
| Perry County | $1,865 | $2,386 | 6 | |
| Dubois County | $1,836 | $2,373 | 5 | |
| Carroll County | $1,678 | $2,101 | 23 | |
| Orange County | $1,569 | $2,148 | 1 | |
| Clay County | $1,488 | $1,827 | 3 | |
| Fayette County | $1,391 | $1,770 | 4 | |
| Tipton County | $1,342 | $1,740 | 8 | |
| Brown County | $1,336 | $1,649 | 9 | |
| Franklin County | $1,330 | $1,641 | 6 | |
| White County | $1,314 | $1,709 | 13 | |
| Morgan County | $1,263 | $1,649 | 26 | |
| Wells County | $1,244 | $1,630 | 5 | |
| Henry County | $1,193 | $1,507 | 8 | |
| Hamilton County | $1,145 | $1,455 | 42 | |
| Crawford County | $1,117 | $1,390 | 2 | |
| Daviess County | $1,108 | $1,492 | 2 | |
| Owen County | $1,103 | $1,374 | 4 | |
| Clark County | $1,103 | $1,419 | 59 | |
| Vermillion County | $1,099 | $1,369 | 3 | |
| Vanderburgh County | $1,072 | $1,419 | 55 | |
| Floyd County | $1,067 | $1,365 | 13 | |
| Monroe County | $1,066 | $1,367 | 18 | |
| Boone County | $1,063 | $1,394 | 20 | |
| Switzerland County | $1,059 | $1,322 | 9 | |
| Wayne County | $1,059 | $1,344 | 10 | |
| Lawrence County | $1,058 | $1,321 | 3 | |
| Pulaski County | $1,054 | $1,316 | 3 | |
| Greene County | $1,036 | $1,407 | 4 | |
| Clinton County | $1,015 | $1,308 | 6 | |
| Ohio County | $1,013 | $1,296 | 8 | |
| Johnson County | $989 | $1,273 | 34 | |
| Putnam County | $986 | $1,236 | 3 | |
| Wabash County | $971 | $1,218 | 6 | |
| Marion County | $958 | $1,261 | 236 | |
| Hendricks County | $941 | $1,207 | 9 | |
| Madison County | $914 | $1,162 | 20 | |
| Vigo County | $905 | $1,243 | 59 | |
| Howard County | $903 | $1,137 | 6 | |
| LaPorte County | $902 | $1,182 | 10 | |
| Shelby County | $901 | $1,147 | 19 | |
| Bartholomew County | $897 | $1,167 | 37 | |
| Tippecanoe County | $897 | $1,158 | 16 | |
| Warrick County | $875 | $1,126 | 10 | |
| Lake County | $874 | $1,156 | 80 | |
| Elkhart County | $869 | $1,120 | 30 | |
| Dearborn County | $869 | $1,210 | 8 | |
| Delaware County | $866 | $1,137 | 26 | |
| Allen County | $839 | $1,110 | 47 | |
| Pike County | $838 | $1,286 | 1 | |
| Posey County | $817 | $1,036 | 4 | |
| Newton County | $810 | $1,027 | 4 | |
| Jackson County | $803 | $1,019 | 19 | |
| Hancock County | $792 | $1,077 | 16 | |
| Huntington County | $788 | $1,002 | 6 | |
| Miami County | $768 | $1,034 | 4 | |
| Spencer County | $736 | $1,053 | 4 | |
| Jay County | $725 | $928 | 1 | |
| Jennings County | $724 | $926 | 1 | |
| Jasper County | $704 | $967 | 7 | |
| St. Joseph County | $690 | $934 | 14 | |
| Whitley County | $678 | $895 | 10 | |
| Montgomery County | $673 | $1,016 | 3 | |
| Fulton County | $669 | $974 | 2 | |
| Rush County | $655 | $844 | 5 | |
| Noble County | $618 | $846 | 20 | |
| Randolph County | $618 | $833 | 7 | |
| Porter County | $602 | $801 | 12 | |
| Cass County | $586 | $764 | 3 | |
| Steuben County | $548 | $780 | 11 | |
| Scott County | $539 | $858 | 3 | |
| LaGrange County | $535 | $824 | 15 | |
| Starke County | $463 | $618 | 2 | |
| Kosciusko County | $445 | $651 | 55 | |
| Knox County | $335 | $467 | 6 |
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, June 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.