Flood Claims Map

Indiana

Flood insurance claims in Lake County, Indiana

FEMA records 3,013 National Flood Insurance Program claims in Lake County, Indiana, since 1978, with $49.5 million paid in total. The year with the most claims was 2008, with 920. As of 3 August 2026, 0.5% of homes here had an NFIP policy, and 26.2% of homes in the high-risk flood zone did.

NFIP claims on record3,013
Total paid$49.5 million
Claims with a payment2,273
Homes with NFIP policy0.5%
High-risk zone homes insured26.2%
Residential policies in force857

Claims by year of loss

1978: 1419781979: 291980: 151981: 2391982: 10819821983: 1021984: 81985: 191986: 219861987: 111988: 31989: 711990: 23119901991: 41992: 21993: 511994: 319941995: 31996: 571997: 151998: 219981999: 72000: 152001: 52002: 1520022003: 162004: 92005: 72006: 69220062007: 1192008: 9202009: 122010: 1720102011: 142012: 52013: 162014: 2120142015: 122016: 12017: 32018: 3520182019: 192020: 142021: 22022: 220222023: 12024: 22025: 52026: 382026920

NFIP claims by year of loss, Lake County, Indiana

1978: $25,78819781979: $72,0861980: $26,6781981: $634,3511982: $194,17319821983: $160,4991984: $01985: $44,3901986: $019861987: $11,7451988: $01989: $116,2421990: $4.4 million19901991: $01992: $01993: $23,6211994: $019941995: $15,4901996: $120,7181997: $24,2761998: $28,48219981999: $6,2222000: $17,5902001: $3,2192002: $3,36820022003: $23,3692004: $9,4222005: $4,7102006: $6.9 million20062007: $1.8 million2008: $33.1 million2009: $20,5542010: $38,48620102011: $28,9262012: $3,5442013: $71,9512014: $254,58320142015: $43,3992016: $1,5052017: $02018: $721,87020182019: $338,8302020: $66,5602021: $1,8222022: $2,80820222023: $482024: $4,7582025: $24,5132026: $108,5492026$33.1 million

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

Named flood events with the most claims

Event (FEMA name)Claims
Hurricane Ike824
Flooding335
2026-08-Indiana-Flooding13
Storm2
Mid-spring storms2

ZIP codes with the most claims

ZIP code (as reported)Claims
46322819
46321592
46319292
46323275
46410169
46311164
46405138
46394105
46324101
4630753

2,443 of the claims were on properties rated in a high-risk flood zone (zones starting A or V). Building $45.8 million, contents $3.0 million, increased cost of compliance $671,882.

Flood insurance take-up

HomesWith NFIP policyShare
High-risk flood zone2,01952926.2%
All homes178,9298570.5%

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

  1. FEMA, OpenFEMA FIMA NFIP Redacted Claims (v2 dataset, API v3 NfipClaims), 2,725,989 claim records, retrieved 29 October 2026
  2. FEMA, OpenFEMA NFIP Residential Penetration Rates, as of 3 August 2026

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.