Find the right flood insurance policy for you.

Written by Steve Dahl
Written by Steve Dahl

Steve is a financial services expert who has dedicated himself to the insurance industry for the last 5+ years. Steve is a key contributor to


Although Indianapolis is not officially on a flood plain, residents here can still experience flooding. In April 2013, the Indianapolis metro area was hit by severe flooding; with 5.5 inches of rain fell, forcing hundreds of residents to leave their homes. This was by no means an isolated incident, as Indianapolis residents deal with flooding nearly every year.

The results of flood damage can be catastrophic for homeowners. Flood damage can wreck the structure of the home and can certainly ruin everything within it. Flood damage is not usually included in standard homeowners insurance, so you’ll need to add an Indianapolis, IN flood insurance policy to be protected. An independent agent from the Trusted Choice® network can advise you on exactly what you need to protect yourself. Call an agent or enter your ZIP code for a quote to get started.

  • 13 major disaster declarations due to flooding have been made since 2002
  • 37% of counties received government aid after floods 
  • Federal assistance is at over $78.5 million

IN has a record of flooding that would suggest it is a wise move to purchase Indianapolis flood insurance. In 2008, 82 of Indiana’s 92 counties were declared presidential disaster areas due to severe flooding, and the state has many significant rivers and over 1,000 lakes that could easily cause problems for you if heavy rains fell.

The Trusted Choice network consists of 22,000 member agencies in 27,000 locations nationwide so there are bound to be several agents in your area. They are all specialists in insurance and have intimate knowledge of their locale, so they can help you to get Indianapolis flood insurance quotes that meet your unique needs.

Use our independent agent matching system to find the best insurance plan in your area. You tell us what you’re looking for, and our technology will recommend the best agents for you. Any information you provide will be sent to only the agents you pick. We do not sell to third parties.


Save on Flood Insurance

Our independent agents shop around to find you the best coverage.

Indiana Flood Insurance Statistics

  • Around 700 flood claims are filed each year
  • Average flood insurance claim is $30,000
  • Less than 2% of households are currently covered with a flood insurance policy
  • Almost one-third of claims are from homeowners outside high-risk zones

Take Advantage of the National Flood Insurance Program (NFIP)

The National Flood Insurance Program (NFIP) was set up by Congress in 1968 to provide flood insurance protection to homeowners. The scheme is operated by FEMA and provides a consistent scale of charges nationwide determined by specific risk factors. Your local Trusted Choice member agent will be able to tell you if your area participates in this program.

Indianapolis flood insurance can be purchased to cover the structure and contents of your home. It is a good idea to get both, as replacing things like fixtures and carpeting add up to thousands of dollars just as easily as fixing siding or a basement damaged by floodwaters. FEMA estimates that just two inches of flood water can cause about $10,000 of damage. When you consider that most homes have major appliances like a furnace, washer and drier in the basement, it is easy to see how costs can mount up.

FEMA research also suggests that all 50 states are at risk of flooding and that most people will need flood insurance at some stage. Indianapolis flood insurance may not be as expensive as you think. It is worth sitting down with an independent agent from the Trusted Choice network to review several Indianapolis flood insurance quotes and determine the best way to get appropriate coverage.


Save on Flood Insurance

Our independent agents shop around to find you the best coverage.

Review Several Indianapolis Flood Insurance Quotes

The consequences of floods can be devastating both financially and emotionally. The good news is that you can be prepared for the unexpected when you find an independent agent in the Trusted Choice network. These agents can help you get the best value on your Indianapolis flood insurance, and have extensive knowledge of the insurance market, so you’ll get the best deal possible on coverage that’s right for you.

Contact an agent in the Trusted Choice network to compare Indianapolis flood insurance quotes and protect your home when flood waters rise.

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