Flood insurance claims in Switzerland County, Indiana

FEMA records 110 National Flood Insurance Program claims in Switzerland County, Indiana, since 1978, with $1.7 million paid in total. The year with the most claims was 1997, with 45. As of 3 August 2026, 1.0% of homes here had an NFIP policy, and 10.3% of homes in the high-risk flood zone did.

NFIP claims on record110

Total paid$1.7 million

Claims with a payment98

Homes with NFIP policy1.0%

High-risk zone homes insured10.3%

Residential policies in force56

Claims by year of loss

NFIP claims by year of loss, Switzerland County, Indiana

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

Named flood events with the most claims

Event (FEMA name)	Claims
Flooding	44
Central U.S. April Flooding	12
Not a named storm	7
Mid-spring storms	2
Hurricane Ike	1

ZIP codes with the most claims

ZIP code (as reported)	Claims
47043	37
47038	30
47020	28
47040	7
46470	4
47019	2
47138	2

59 of the claims were on properties rated in a high-risk flood zone (zones starting A or V). Building $1.4 million, contents $229,029, increased cost of compliance $28,500.

Flood insurance take-up

	Homes	With NFIP policy	Share
High-risk flood zone	493	51	10.3%
All homes	5,378	56	1.0%

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.