Flood insurance claims in Spencer County, Indiana

FEMA records 45 National Flood Insurance Program claims in Spencer County, Indiana, since 1978, with $407,947 paid in total. The year with the most claims was 1997, with 26. As of 3 August 2026, 0.8% of homes here had an NFIP policy, and 13.9% of homes in the high-risk flood zone did.

NFIP claims on record45

Total paid$407,947

Claims with a payment37

Homes with NFIP policy0.8%

High-risk zone homes insured13.9%

Residential policies in force84

Claims by year of loss

NFIP claims by year of loss, Spencer County, Indiana

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

Named flood events with the most claims

Event (FEMA name)	Claims
Flooding	12
Central U.S. April Flooding	5
Mid-spring storms	2
March storm	1
Not a named storm	1

ZIP codes with the most claims

ZIP code (as reported)	Claims
47615	17
47635	17
47634	10
47611	1

29 of the claims were on properties rated in a high-risk flood zone (zones starting A or V). Building $371,440, contents $36,507, increased cost of compliance $0.

Flood insurance take-up

	Homes	With NFIP policy	Share
High-risk flood zone	577	80	13.9%
All homes	10,457	84	0.8%

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.