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Home insurance & flood costs in ZIP 46217 (Indianapolis, IN)

Plain facts for homeowners in Indianapolis: what insurance cost here in recent years, how often claims were paid, and what flood coverage runs.

See the numbers

Historical averages, not a quote. Updated Oct 2026.

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ZIP 46217 at a glance

Four numbers most homeowners ask about first.

$1,473
Avg. home premium

Per policy in 2022 (inflation-adjusted), HO-3/HO-5 policies.

$1,207
Avg. flood policy

Single-family NFIP policies that took effect in 2025.

1.03%
Nonrenewal rate

Share of policies not renewed by insurers in 2022. Typical U.S. ZIP: 0.81%.

5.3%
Claim frequency

Share of policies with a paid claim in 2022. Typical U.S. ZIP: 4.0%.

ZIP 46217 in numbers
$11,258
average paid claim (2022)
+2%
premium change 2018–2022, after inflation
1.62%
cancelled by insurers mid-term (2022)
143
single-family NFIP policies (2025)

What homeowners here pay

Each block pairs a short explanation with the data behind it.

Homeowners insurance

U.S. Treasury FIO, HO-3/HO-5 policies, 2018–2022

The average premium per policy in ZIP 46217 was $1,473 in 2022, 5% below the Marion County typical ZIP ($1,545) and 5% below the typical U.S. ZIP code ($1,551). After adjusting for inflation, it rose 2% between 2018 and 2022. About 5.3% of policies here had a paid claim in 2022, and insurers chose not to renew 1.03% of policies.

Marion County overview

Average premium per policy

Inflation-adjusted dollars, Treasury FIO
ZIP 46217MarionU.S. typical ZIP

Flood insurance

FEMA NFIP single-family policies, 2022–2025

The average single-family NFIP flood policy that took effect in ZIP 46217 in 2025 cost $1,207, based on 143 policies, compared with $1,105 in 2022. About 84% of them are for homes in high-risk A or V zones.

Average flood policy cost

Full cost incl. fees, by year the policy took effect

Policies by flood zone, 2025

143 policies
A zones 84%X/B/C zones 16%V zones 0%

Claims & hazards

Treasury FIO claim frequency; FEMA National Risk Index for Marion County

The chart shows the share of homeowners policies in ZIP 46217 with at least one paid claim each year. FEMA rates hazards for the whole county, not single ZIP codes. The top hazards for Marion County are listed below the chart, as national percentiles (100 = highest).

All county hazards

Policies with a paid claim

Share of policies, by year

Top county hazards

  • Tornado99 · Very High
  • Strong wind99 · Very High
  • Cold wave99 · Relatively High
  • Heat wave99 · Relatively High
  • Inland flooding98 · Relatively High

Other ZIP codes in Marion County

Average premium per policy in 2022 (Treasury FIO). Showing 12 of 30; see the county page for all.

46107 Beech Grove · $1,32846201 Indianapolis · $1,58046202 Indianapolis · $1,92646203 Indianapolis · $1,43646205 Indianapolis · $1,82846208 Indianapolis · $1,90946214 Indianapolis · $1,47546218 Indianapolis · $1,37646219 Indianapolis · $1,44346220 Indianapolis · $1,74046221 Indianapolis · $1,40446222 Indianapolis · $1,420

Practical next steps

Simple things homeowners in ZIP 46217 can do with this information.

Check your flood zone. Look up your address on FEMA's Flood Map Service Center (msc.fema.gov). Standard home policies don't cover flood damage, and flood insurance usually has a 30-day waiting period, so it's worth sorting out before storm season.
Know that earthquake damage is separate. Standard homeowners policies exclude earthquakes. If shaking is a concern where you live, ask about a separate earthquake policy or endorsement and its deductible.
Compare at renewal. Premiums vary widely by ZIP code, home and insurer. Use these averages as a reference point, not a price, and compare a few quotes at renewal.
Keep records. A roof certificate, receipts for upgrades and photos of your home's condition can help when you shop for coverage or file a claim.

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.