Home insurance costs & natural hazards in Indiana
Plain facts for Indiana homeowners: what coverage has cost across the state, what flood insurance runs, and which natural hazards matter in each county.
See the numbersHistorical averages, not a quote. Updated Oct 2026.
Indiana at a glance
Four numbers most homeowners ask about first.
Median ZIP code, per policy per year in 2022 (inflation-adjusted).
Single-family NFIP policies that took effect in 2025.
Median ZIP in 2022. Typical U.S. ZIP: 0.81%.
Counties FEMA rates relatively high or very high on its overall National Risk Index.
What homeowners in Indiana pay
Each block pairs a short explanation with the data behind it.
Homeowners insurance
The typical Indiana ZIP code saw homeowners premiums of $1,465 per policy in 2022, 6% below the typical U.S. ZIP code ($1,551). After adjusting for inflation, that figure rose 4% between 2018 and 2022. The figures come from 672 Indiana ZIP codes in Treasury's data.
Typical premium per policy
Flood insurance
Standard home policies don't cover floods. 12,791 single-family NFIP policies took effect in Indiana in 2025, at an average full cost of $1,078, compared with $1,003 in 2022. About 74% of those policies are for homes in high-risk A or V zones.
Average flood policy cost
Policies by flood zone, 2025
Natural hazards
Bars count how many of Indiana's 92 counties FEMA rates relatively high or very high for each hazard. The most widespread are strong wind, tornado and winter weather. Open any county for its full hazard profile.
Hazards across Indiana's counties
Indiana counties
All 92 counties: typical premium (2022), average flood policy (2025) and FEMA's overall risk rating.
Typical home premium by county, 2022
| County | Premium | Flood | FEMA rating |
|---|---|---|---|
| Adams County | $1,237 | $930 | Relatively Low |
| Allen County | $1,279 | $1,100 | Relatively Moderate |
| Bartholomew County | $1,416 | $1,007 | Relatively Low |
| Benton County | $1,486 | — | Very Low |
| Blackford County | $1,335 | — | Very Low |
| Boone County | $1,577 | $1,104 | Relatively Low |
| Brown County | $1,767 | $1,431 | Very Low |
| Carroll County | $1,465 | $1,612 | Very Low |
| Cass County | $1,381 | $1,260 | Relatively Low |
| Clark County | $1,460 | $1,225 | Relatively Moderate |
| Clay County | $1,490 | $1,127 | Very Low |
| Clinton County | $1,451 | $1,271 | Very Low |
| Crawford County | $1,531 | $1,813 | Very Low |
| Daviess County | $1,465 | $937 | Relatively Low |
| DeKalb County | $1,371 | $1,024 | Very Low |
| Dearborn County | $1,577 | $1,052 | Relatively Low |
| Decatur County | $1,400 | $1,566 | Very Low |
| Delaware County | $1,436 | $1,062 | Relatively Low |
| Dubois County | $1,481 | $1,020 | Relatively Low |
| Elkhart County | $1,259 | $1,085 | Relatively Moderate |
| Fayette County | $1,336 | $1,149 | Very Low |
| Floyd County | $1,570 | $1,326 | Relatively Low |
| Fountain County | $1,557 | — | Very Low |
| Franklin County | $1,459 | $1,702 | Very Low |
| Fulton County | $1,529 | $1,122 | Very Low |
| Gibson County | $1,582 | $700 | Relatively Low |
| Grant County | $1,344 | $1,320 | Relatively Low |
| Greene County | $1,534 | $1,245 | Very Low |
| Hamilton County | $1,693 | $1,073 | Relatively Moderate |
| Hancock County | $1,758 | $1,042 | Relatively Low |
| Harrison County | $1,512 | $1,836 | Relatively Low |
| Hendricks County | $1,609 | $1,173 | Relatively Low |
| Henry County | $1,529 | $1,012 | Relatively Low |
| Howard County | $1,422 | $1,075 | Relatively Low |
| Huntington County | $1,444 | $1,024 | Very Low |
| Jackson County | $1,453 | $899 | Relatively Low |
| Jasper County | $1,454 | $860 | Very Low |
| Jay County | $1,349 | $1,023 | Very Low |
| Jefferson County | $1,441 | $1,590 | Relatively Low |
| Jennings County | $1,355 | $1,522 | Very Low |
| Johnson County | $1,617 | $1,080 | Relatively Low |
| Knox County | $1,547 | $773 | Relatively Low |
| Kosciusko County | $1,289 | $748 | Relatively Low |
| LaGrange County | $1,268 | $771 | Relatively Low |
| LaPorte County | $1,493 | $1,047 | Relatively Low |
| Lake County | $1,454 | $1,018 | Relatively High |
| Lawrence County | $1,471 | $1,567 | Relatively Low |
| Madison County | $1,340 | $1,120 | Relatively Low |
| Marion County | $1,545 | $1,098 | Relatively High |
| Marshall County | $1,376 | $922 | Very Low |
| Martin County | $1,394 | — | Very Low |
| Miami County | $1,399 | $1,071 | Relatively Low |
| Monroe County | $1,506 | $1,172 | Relatively Low |
| Montgomery County | $1,526 | $1,373 | Very Low |
| Morgan County | $1,649 | $1,089 | Relatively Low |
| Newton County | $1,542 | $1,078 | Very Low |
| Noble County | $1,336 | $810 | Relatively Low |
| Ohio County | $1,593 | $1,277 | Very Low |
| Orange County | $1,479 | $1,532 | Very Low |
| Owen County | $1,518 | $1,571 | Very Low |
| Parke County | $1,494 | $1,155 | Very Low |
| Perry County | $1,403 | $1,245 | Very Low |
| Pike County | $1,471 | — | Very Low |
| Porter County | $1,528 | $848 | Relatively Moderate |
| Posey County | $1,642 | $947 | Relatively Low |
| Pulaski County | $1,473 | $1,242 | Very Low |
| Putnam County | $1,564 | $1,368 | Relatively Low |
| Randolph County | $1,389 | $940 | Very Low |
| Ripley County | $1,526 | $1,702 | Relatively Low |
| Rush County | $1,505 | $898 | Very Low |
| Scott County | $1,527 | $1,041 | Very Low |
| Shelby County | $1,615 | $1,143 | Relatively Low |
| Spencer County | $1,517 | $828 | Very Low |
| St. Joseph County | $1,282 | $783 | Relatively Moderate |
| Starke County | $1,457 | $851 | Very Low |
| Steuben County | $1,304 | $889 | Very Low |
| Sullivan County | $1,590 | — | Very Low |
| Switzerland County | $1,371 | $1,270 | Very Low |
| Tippecanoe County | $1,414 | $1,159 | Relatively Moderate |
| Tipton County | $1,508 | $1,045 | Very Low |
| Union County | $1,382 | — | Very Low |
| Vanderburgh County | $1,439 | $1,030 | Relatively Moderate |
| Vermillion County | $1,518 | $1,245 | Very Low |
| Vigo County | $1,507 | $1,019 | Relatively Moderate |
| Wabash County | $1,411 | $1,096 | Very Low |
| Warren County | $1,576 | — | Very Low |
| Warrick County | $1,522 | $1,077 | Relatively Low |
| Washington County | $1,493 | — | Very Low |
| Wayne County | $1,346 | $1,106 | Relatively Low |
| Wells County | $1,347 | $988 | Very Low |
| White County | $1,390 | $1,457 | Very Low |
| Whitley County | $1,340 | $799 | Very Low |
ZIP codes with the most flood policies
Practical next steps
Simple things Indiana homeowners can do with this information.
Historical averages, not a quote. Homeowners figures are inflation-adjusted averages from the U.S. Treasury Federal Insurance Office "Supporting Underlying Metrics" (2018–2022, published January 2025). They cover HO-3/HO-5 policies from participating private insurers and exclude state residual-market plans (such as FAIR plans and Citizens), surplus-lines and flood coverage. Treasury notes that individual ZIP codes can contain data anomalies. Your price depends on your home, coverage and insurer.
Sources: U.S. Treasury FIO; FEMA OpenFEMA NFIP Redacted Policies v3 (data as of Sep 8, 2026); FEMA National Risk Index (December 2025); U.S. Census Bureau ZCTA-to-county relationship file (2020) and county adjacency file; GeoNames place names. How we calculate these numbers.
This product uses the FEMA OpenFEMA API and National Risk Index data, but is not endorsed by FEMA. The Federal Government or FEMA cannot vouch for the data or analyses derived from these data after the data have been retrieved from the Agency's website(s). SafeHomeFacts is independent and not affiliated with the U.S. Treasury, FEMA or any insurer.