Flood risk in Indianapolis

Flooding is not covered by a standard homeowners policy anywhere in the country — it is a separate policy. Whether you are required to carry it depends on the zone your address falls in.

FEMA's current mapping for the Indianapolis area shows Zone AE, Zone AH, Zone A alongside Zone X, which is the lower-risk designation.

Indianapolis is in FEMA's Community Rating System at Class 8, which earns residents 10% off flood insurance in the high-risk zones. Most homeowners have never heard of this and it applies automatically.

Source: FEMA National Flood Hazard Layer; NFIP community 180159.

Indianapolis earns a 10% community discount on flood premiums, and most people who qualify have never been told. Worth confirming you are getting it.

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