Flood insurance claims in Whitley County, Indiana

FEMA records 29 National Flood Insurance Program claims in Whitley County, Indiana, since 1981, with $156,630 paid in total. The year with the most claims was 1982, with 4. As of 3 August 2026, 0.5% of homes here had an NFIP policy, and 24.2% of homes in the high-risk flood zone did.

NFIP claims on record29

Total paid$156,630

Claims with a payment21

Homes with NFIP policy0.5%

High-risk zone homes insured24.2%

Residential policies in force70

Claims by year of loss

NFIP claims by year of loss, Whitley County, Indiana

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

Named flood events with the most claims

Event (FEMA name)	Claims
Flooding	12
Central U.S. April Flooding	1

ZIP codes with the most claims

ZIP code (as reported)	Claims
46725	20
46787	7
46723	2

15 of the claims were on properties rated in a high-risk flood zone (zones starting A or V). Building $139,857, contents $16,774, increased cost of compliance $0.

Flood insurance take-up

	Homes	With NFIP policy	Share
High-risk flood zone	219	53	24.2%
All homes	15,260	70	0.5%

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

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.