Data · May 2026 data · 13-month trend
Indiana Flood Insurance Costs
Homeowners taking out or renewing NFIP flood coverage in Indiana paid an average premium of $978 in May 2026. That puts the state roughly in line with the national average of $982. The figure is up 5.8% year over year. Across 1,215 transactions in 84 counties, the highest county-level average was $3,950 in Wabash 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 — May 2026
- Average premium
- $978
- Avg total cost (with fees)
- $1,278
- Change (year over year)
- +5.8%
- vs national average
- -0.4%
- Policies written or renewed
- 1,215
- Counties reporting
- 84
Indiana trend, last 13 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 | $925 | $1,214 | 1,299 | |
| June 2025 | $928 | $1,218 | 1,348 | |
| July 2025 | $842 | $1,109 | 1,681 | |
| August 2025 | $935 | $1,229 | 1,577 | |
| September 2025 | $960 | $1,256 | 1,393 | |
| October 2025 | $955 | $1,253 | 1,360 | |
| November 2025 | $1,110 | $1,443 | 1,200 | |
| December 2025 | $989 | $1,303 | 1,032 | |
| January 2026 | $1,015 | $1,327 | 1,007 | |
| February 2026 | $1,005 | $1,316 | 1,056 | |
| March 2026 | $1,122 | $1,458 | 1,360 | |
| April 2026 | $954 | $1,247 | 1,278 | |
| May 2026 | $978 | $1,278 | 1,215 |
County breakdown — May 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 |
|---|---|---|---|---|
| Wabash County | $3,950 | $4,808 | 3 | |
| Brown County | $2,900 | $3,615 | 13 | |
| Lawrence County | $2,086 | $2,534 | 2 | |
| Dearborn County | $1,849 | $2,435 | 15 | |
| Jefferson County | $1,804 | $2,200 | 5 | |
| Grant County | $1,681 | $2,112 | 4 | |
| Montgomery County | $1,622 | $2,098 | 4 | |
| Monroe County | $1,611 | $2,076 | 13 | |
| Decatur County | $1,586 | $1,943 | 3 | |
| Howard County | $1,484 | $1,875 | 13 | |
| Dubois County | $1,460 | $1,908 | 6 | |
| Harrison County | $1,451 | $2,009 | 6 | |
| Orange County | $1,443 | $1,887 | 6 | |
| Pike County | $1,425 | $1,979 | 1 | |
| Carroll County | $1,317 | $1,701 | 15 | |
| White County | $1,284 | $1,677 | 10 | |
| Perry County | $1,274 | $1,621 | 5 | |
| Clinton County | $1,262 | $1,562 | 4 | |
| Franklin County | $1,262 | $1,674 | 2 | |
| Wayne County | $1,261 | $1,660 | 9 | |
| Putnam County | $1,208 | $1,497 | 2 | |
| Morgan County | $1,204 | $1,538 | 30 | |
| Greene County | $1,163 | $1,444 | 4 | |
| Delaware County | $1,135 | $1,448 | 30 | |
| Floyd County | $1,132 | $1,558 | 9 | |
| Fayette County | $1,118 | $1,391 | 7 | |
| Parke County | $1,099 | $1,504 | 5 | |
| Owen County | $1,088 | $1,355 | 3 | |
| Hendricks County | $1,043 | $1,331 | 8 | |
| Scott County | $1,021 | $1,277 | 1 | |
| Allen County | $1,016 | $1,291 | 45 | |
| Jennings County | $1,009 | $1,263 | 1 | |
| Hancock County | $1,005 | $1,320 | 22 | |
| Cass County | $994 | $1,245 | 9 | |
| Tippecanoe County | $985 | $1,235 | 13 | |
| Vigo County | $983 | $1,291 | 42 | |
| Henry County | $982 | $1,287 | 4 | |
| Clark County | $974 | $1,260 | 47 | |
| Clay County | $969 | $1,312 | 7 | |
| Switzerland County | $954 | $1,254 | 4 | |
| Vanderburgh County | $938 | $1,230 | 49 | |
| Madison County | $937 | $1,214 | 19 | |
| Jackson County | $932 | $1,213 | 11 | |
| Marion County | $931 | $1,210 | 194 | |
| Bartholomew County | $926 | $1,244 | 40 | |
| Hamilton County | $925 | $1,188 | 37 | |
| Lake County | $925 | $1,222 | 92 | |
| Posey County | $923 | $1,161 | 6 | |
| Elkhart County | $874 | $1,145 | 33 | |
| Porter County | $862 | $1,153 | 7 | |
| Vermillion County | $845 | $1,069 | 6 | |
| Warrick County | $840 | $1,084 | 11 | |
| Rush County | $836 | $1,059 | 4 | |
| Ripley County | $811 | $1,029 | 1 | |
| Steuben County | $808 | $1,138 | 4 | |
| Johnson County | $806 | $1,033 | 23 | |
| Pulaski County | $799 | $1,015 | 6 | |
| Jasper County | $771 | $1,010 | 8 | |
| Randolph County | $770 | $1,013 | 7 | |
| Warren County | $768 | $978 | 1 | |
| Miami County | $758 | $1,004 | 6 | |
| DeKalb County | $733 | $993 | 4 | |
| Shelby County | $724 | $987 | 15 | |
| Newton County | $723 | $1,000 | 6 | |
| Gibson County | $712 | $1,062 | 3 | |
| Adams County | $705 | $904 | 6 | |
| Boone County | $701 | $917 | 13 | |
| Tipton County | $691 | $937 | 9 | |
| LaPorte County | $677 | $939 | 10 | |
| Spencer County | $668 | $892 | 14 | |
| Noble County | $658 | $888 | 28 | |
| Whitley County | $651 | $840 | 3 | |
| Knox County | $650 | $868 | 8 | |
| Marshall County | $641 | $828 | 5 | |
| St. Joseph County | $613 | $852 | 24 | |
| Daviess County | $606 | $787 | 4 | |
| LaGrange County | $534 | $795 | 17 | |
| Kosciusko County | $528 | $791 | 33 | |
| Wells County | $521 | $687 | 2 | |
| Starke County | $458 | $763 | 6 | |
| Fulton County | $387 | $529 | 2 | |
| Huntington County | $362 | $500 | 2 | |
| FIPS 18000 | $333 | $465 | 1 | |
| Martin County | $262 | $606 | 2 |
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 (FimaNfipPolicies).
"Indiana Flood Insurance Costs." Out of the Storm News Flood Insurance Cost Index, May 2026, based on FEMA OpenFEMA NFIP policy transaction data. https://outofthestormnews.com/flood-insurance/costs/indiana
Related guides
Editorial context for reading these numbers — how NFIP coverage and pricing work in practice, and what a flood map does and doesn’t tell you.