Flood insurance claims in Carroll County, Indiana

FEMA records 501 National Flood Insurance Program claims in Carroll County, Indiana, since 1981, with $17.3 million paid in total. The year with the most claims was 2008, with 174. As of 3 August 2026, 1.9% of homes here had an NFIP policy, and 20.8% of homes in the high-risk flood zone did.

NFIP claims on record501

Total paid$17.3 million

Claims with a payment454

Homes with NFIP policy1.9%

High-risk zone homes insured20.8%

Residential policies in force209

Claims by year of loss

NFIP claims by year of loss, Carroll County, Indiana

Paid on claims by year of loss (building, contents and increased cost of compliance), Carroll County, Indiana

Named flood events with the most claims

Event (FEMA name)	Claims
Flooding	16
Mid-spring storms	3

ZIP codes with the most claims

ZIP code (as reported)	Claims
47923	242
47960	136
46923	76
47920	20
46929	14
46917	8
46041	2
46920	1
47905	1
46947	1

395 of the claims were on properties rated in a high-risk flood zone (zones starting A or V). Building $13.2 million, contents $1.9 million, increased cost of compliance $2.2 million.

Flood insurance take-up

	Homes	With NFIP policy	Share
High-risk flood zone	893	186	20.8%
All homes	10,944	209	1.9%

FEMA counts residential structures and NFIP residential policies in force as of 3 August 2026. Private flood policies are not counted. A share is shown as n/a where FEMA counts no homes or more policies than homes.

Flood insurance basics. Most standard homeowners policies do not cover flood damage. NFIP policies are sold through insurance agents and through FEMA's FloodSmart site, which also explains waiting periods (usually 30 days before cover starts). Check your property's flood zone on the FEMA Flood Map Service Center.

Sources

Checked 29 October 2026. Claims are NFIP claims only. Private flood insurance claims and uninsured losses are not included. Recent events can take months to be fully reflected.