Flood Claims Map

Indiana

Flood insurance claims in Morgan County, Indiana

FEMA records 231 National Flood Insurance Program claims in Morgan County, Indiana, since 1978, with $8.7 million paid in total. The year with the most claims was 2008, with 96. As of 3 August 2026, 0.7% of homes here had an NFIP policy, and 27.3% of homes in the high-risk flood zone did.

NFIP claims on record231
Total paid$8.7 million
Claims with a payment200
Homes with NFIP policy0.7%
High-risk zone homes insured27.3%
Residential policies in force218

Claims by year of loss

1978: 119781979: 11980: 11981: 11982: 019821983: 01984: 01985: 11986: 019861987: 11988: 01989: 01990: 519901991: 01992: 11993: 231994: 019941995: 11996: 21997: 01998: 319981999: 02000: 02001: 02002: 220022003: 242004: 22005: 182006: 120062007: 02008: 962009: 22010: 320102011: 42012: 02013: 62014: 020142015: 132016: 02017: 92018: 320182019: 22020: 02021: 02022: 020222023: 02024: 32025: 12026: 1202696

NFIP claims by year of loss, Morgan County, Indiana

1978: $14819781979: $2001980: $7191981: $6,1721982: $019821983: $01984: $01985: $1,6571986: $019861987: $8381988: $01989: $01990: $7,67619901991: $01992: $01993: $237,6951994: $019941995: $01996: $12,1091997: $01998: $10,91719981999: $02000: $02001: $02002: $4,60420022003: $425,4732004: $9,8382005: $177,6572006: $020062007: $02008: $6.9 million2009: $9,8052010: $43,14620102011: $77,5122012: $02013: $205,4672014: $020142015: $258,3002016: $02017: $111,4542018: $46,26720182019: $1,6452020: $02021: $02022: $020222023: $02024: $80,1052025: $4,9462026: $75,4282026$6.9 million

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

Named flood events with the most claims

Event (FEMA name)Claims
Storm92
Flooding3
Central U.S. April Flooding1
Mid-spring storms1
2026-08-Indiana-Flooding1

ZIP codes with the most claims

ZIP code (as reported)Claims
46151158
4615847
4616617
474333
461603
461132

129 of the claims were on properties rated in a high-risk flood zone (zones starting A or V). Building $7.2 million, contents $1.5 million, increased cost of compliance $23,894.

Flood insurance take-up

HomesWith NFIP policyShare
High-risk flood zone54214827.3%
All homes29,8152180.7%

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.