Flood insurance claims in Fayette County, Indiana

FEMA records 40 National Flood Insurance Program claims in Fayette County, Indiana, since 1980, with $497,768 paid in total. The year with the most claims was 2026, with 24. As of 3 August 2026, 0.5% of homes here had an NFIP policy, and 16.6% of homes in the high-risk flood zone did.

NFIP claims on record40

Total paid$497,768

Claims with a payment26

Homes with NFIP policy0.5%

High-risk zone homes insured16.6%

Residential policies in force51

Claims by year of loss

NFIP claims by year of loss, Fayette County, Indiana

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

Named flood events with the most claims

Event (FEMA name)	Claims
2026-08-Indiana-Flooding	24

ZIP codes with the most claims

ZIP code (as reported)	Claims
47331	36
47357	4

33 of the claims were on properties rated in a high-risk flood zone (zones starting A or V). Building $460,274, contents $37,494, increased cost of compliance $0.

Flood insurance take-up

	Homes	With NFIP policy	Share
High-risk flood zone	295	49	16.6%
All homes	10,264	51	0.5%

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.