Short answer: Indiana property policies generally exclude flood. Check FEMA maps, then buy NFIP or private flood coverage. Indiana DNR's Division of Water coordinates floodplain management and runs the Indiana Floodplain Information Portal, which shows both FEMA and DNR floodplain information for public use.
This guide is general information for Indiana property owners and renters about flood risk and the National Flood Insurance Program. It isn't a coverage determination. FEMA maps, your community's floodplain ordinance and your policy wording control.
Maps and coverage
Use FEMA's Flood Map Service Center and Indiana's own portal below. Quote through FloodSmart. Most new NFIP policies have a 30-day waiting period.
Indiana Floodplain Information Portal
The Indiana Floodplain Information Portal (INFIP) is a DNR Division of Water mapping application that displays floodplain information from both FEMA and DNR sources. That means you may see DNR best-available floodplain data where a FEMA map is older or unmapped. Check both before you buy or build, then talk to your local floodplain administrator about permits.
Questions? Contact Alishahi Insurance or call (877) 711-4545. See insurance in Indiana.
Frequently asked questions
What is INFIP?
The Indiana Floodplain Information Portal, a DNR mapping tool showing FEMA and DNR floodplain data.
Who coordinates floodplain management in Indiana?
Indiana DNR Division of Water.
Do Indiana homeowners policies cover flood?
Generally no. Buy NFIP or private flood coverage separately.
Alishahi Insurance · 439 N Canon Dr, Penthouse, Beverly Hills, CA 90210 · (877) 711-4545 · CA License #4348151. General information only. This isn't legal, tax or financial advice or a coverage determination. Coverage depends on policy language and underwriting, and rules vary by state.