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Flood Insurance / National Flood Insurance Program (NFIP) information and mitigation discount guidance

Indiana Department of Homeland Security, Indiana Department of Natural Resources, Indiana Department of Insurance, and FEMA · State program

No state cash payment; the page points to possible NFIP mitigation-related premium discounts.

Indiana’s official flood-insurance page points homeowners to the National Flood Insurance Program and to FEMA’s mitigation discount tool. It does not set a state premium discount itself, but it does direct people to possible mitigation-related premium savings under NFIP.

Last verified: July 28, 2026
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Program details

How it works

Indiana’s flood-insurance page is an official state information hub. It explains that the National Flood Insurance Program (NFIP) is available to help provide flood coverage and that NFIP policies can often be purchased through the same insurance agents who sell homeowners and renters insurance.

What the money covers

This is not a grant or rebate program. It is an official state page explaining flood insurance and how mitigation can affect premiums.

Amounts and matching

The page does not give a state-set dollar amount or state-administered discount. It says FEMA’s Flood Insurance Mitigation Discount Tool can help estimate potential insurance premium discounts for mitigation efforts.

How to apply

The page tells homeowners to contact their insurance agent or use FloodSmart’s provider search to look up companies that offer NFIP policies.

Timing and deadlines

The page says NFIP policies can take up to 30 days to go into effect after purchase.

Full eligibility details

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