Flood insurance claims in Fulton County, Indiana

FEMA records 173 National Flood Insurance Program claims in Fulton County, Indiana, since 1981, with $2.2 million paid in total. The year with the most claims was 2008, with 33. As of 3 August 2026, 0.4% of homes here had an NFIP policy, and 14.1% of homes in the high-risk flood zone did.

NFIP claims on record173

Total paid$2.2 million

Claims with a payment155

Homes with NFIP policy0.4%

High-risk zone homes insured14.1%

Residential policies in force35

Claims by year of loss

NFIP claims by year of loss, Fulton County, Indiana

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

Named flood events with the most claims

Event (FEMA name)	Claims
Flooding	53
Mid-spring storms	2

ZIP codes with the most claims

ZIP code (as reported)	Claims
46975	129
46922	18
46511	8
46951	7
46960	4
46945	4
46910	1

79 of the claims were on properties rated in a high-risk flood zone (zones starting A or V). Building $1.8 million, contents $310,513, increased cost of compliance $83,389.

Flood insurance take-up

	Homes	With NFIP policy	Share
High-risk flood zone	177	25	14.1%
All homes	9,647	35	0.4%

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.