Flood Claims Map

Indiana

Flood insurance claims in St. Joseph County, Indiana

FEMA records 180 National Flood Insurance Program claims in St. Joseph County, Indiana, since 1979, with $1.3 million paid in total. The year with the most claims was 1982, with 37. As of 3 August 2026, 0.2% of homes here had an NFIP policy, and 18.2% of homes in the high-risk flood zone did.

NFIP claims on record180
Total paid$1.3 million
Claims with a payment123
Homes with NFIP policy0.2%
High-risk zone homes insured18.2%
Residential policies in force232

Claims by year of loss

1979: 119791980: 11981: 91982: 371983: 119831984: 01985: 151986: 11987: 019871988: 01989: 01990: 21991: 019911992: 01993: 51994: 01995: 319951996: 141997: 11998: 11999: 019992000: 22001: 22002: 12003: 020032004: 02005: 12006: 02007: 020072008: 232009: 32010: 12011: 120112012: 02013: 02014: 02015: 120152016: 232017: 02018: 282019: 120192020: 12021: 137

NFIP claims by year of loss, St. Joseph County, Indiana

1979: $019791980: $01981: $36,3701982: $132,9251983: $019831984: $01985: $22,4641986: $01987: $019871988: $01989: $01990: $3,6261991: $019911992: $01993: $9,9791994: $01995: $2,14019951996: $136,9571997: $01998: $2,6681999: $019992000: $02001: $02002: $02003: $020032004: $02005: $12,0002006: $02007: $020072008: $90,3362009: $12,8492010: $02011: $020112012: $02013: $02014: $02015: $3,75620152016: $316,1722017: $02018: $555,2522019: $95320192020: $2,4092021: $0$555,252

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

Named flood events with the most claims

Event (FEMA name)Claims
Flooding46
Hurricane Ike10
Mid-spring storms1

ZIP codes with the most claims

ZIP code (as reported)Claims
4654438
4654523
4661620
4663715
4661413
4661312
4663511
4661710
4661510
466019

71 of the claims were on properties rated in a high-risk flood zone (zones starting A or V). Building $1.2 million, contents $157,165, increased cost of compliance $0.

Flood insurance take-up

HomesWith NFIP policyShare
High-risk flood zone61111118.2%
All homes97,2332320.2%

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.