Indiana Home-Insurance Distress by County

Indiana reads well above the national norm for home-insurance distress — 92 counties averaging 46/100, 15th of 52 states.

19 of Indiana's 92 counties score 70 or higher (severe).

Indiana's reading rests on a FEMA hazard average of 45/100 and NFIP flood-claim stress of 51/100.

Over three years Indiana counties filed 943 NFIP flood claims, $26,509,281 paid.

Highest in Indiana: Harrison County 79/100 (#373 US), Madison County 79/100 (#379 US), Morgan County 78/100 (#416 US), Jefferson County 77/100 (#443 US), Hamilton County 77/100 (#456 US).

Indiana counties by insurance band: 51 medium (Indiana), 33 low, 8 zero; Indiana NFIP claims, three years: 943; Indiana payouts $26.5 million.

Indiana counties with the most NFIP claims: Marion 146 ($2.1 million); Clark 86 ($4.7 million); Hamilton 84 ($2.0 million) in Indiana; Delaware 61 ($1.2 million); Madison 49 ($452,458).

Indiana county average rose: 25.0 in March 2026; Indiana reads 45.6 in October 2026; Indiana by month: March 25.0, April 25.0, May 24.9 (Indiana), June 24.9, July 24.2, August 41.4 (Indiana), September 41.4, October 45.6.

Highest Indiana ZIPs, insurance distress: 34224 81 (climate 94), 33955 81 (climate 94) in Indiana, 33907 47 (climate 99), 33972 47 (climate 99) in Indiana, 33971 47 (climate 99), 33905 47 (climate 99) in Indiana.

Reading the Indiana bands: 0 of 92 Indiana counties sit in a high or worse insurance band; Indiana filed 943 NFIP claims in three years, $26.5 million paid to Indiana policyholders; a Indiana county's band moves when FEMA hazard revisions, new Indiana NFIP settlements or carrier filings change its monthly score.