Is Flood Insurance Really Necessary in Indiana?  

When it comes to flooding, Indiana isn’t usually the first state to come to mind—most people think of coastal areas or states that might experience hurricanes. However, Indiana is not immune to flooding events, and flood insurance may be more relevant than you think.

Why You Should Consider Flood Insurance

Indiana has many rivers and wetlands, making some areas prone to flash flooding and overflows, especially after significant weather events. What’s more, most standard homeowners insurance policies do not cover flood damage, leaving residents to pay out-of-pocket for any repairs due to flooding.

While you aren’t legally obligated to carry flood insurance in Indiana unless you’re in a specific flood zone, some mortgage lenders require it. It’s important to check with your local agent to see if you’re in a zone requiring flood insurance.

How to Get Flood Insurance

You can obtain flood insurance through a private insurer or purchase a policy through the National Flood Insurance Program (NFIP), which is managed by the Federal Emergency Management Agency (FEMA). Bundling your policies through one insurer may allow you to save on premiums.

Contact Us

At Crume-Evans Insurance, we’re committed to helping residents in Kokomo, IN with their coverage needs, including flood insurance. Contact us today for more information or a personalized quote.

This blog is intended for informational and educational use only. It is not exhaustive and should not be construed as legal advice. Please contact your insurance professional for further information.