National Flood Insurance Program participation

In 1968, Congress created the National Flood Insurance Program (NFIP) in response to the rising cost of taxpayer funded disaster relief for flood victims and the increasing amount of damage caused by floods. The Mitigation Division a component of the Federal Emergency Management Agency (FEMA), manages the NFIP and oversees the floodplain management and mapping components of the program.

Community Rating System

The National Flood Insurance Program (NFIP) Community Rating System (CRS) was implemented in 1990 as a voluntary program for recognizing and encouraging community floodplain management activities exceeding the minimum NFIP standards.  Any community in full compliance with the minimum NFIP floodplain management requirements may apply to join the CRS.  
Hendricks County has been a part of the CRS program since 2012, which gives the citizens a ten percent discount on their flood insurance. 

Flood Insurance

You are required to purchase flood insurance in order to secure financing to buy, build, or improve structures located in the Special Flood Hazard Areas (SFHA's).  Lenders that are federally regulated must determine if the structure is located in a SFHA.

Since Hendricks County does participate in the NFIP flood insurance is available to all citizens.  Even if you are not in a high risk area for flooding it still can occur due to flash floods, inadequate drainage, melting snow, and broken water mains.  Twenty five percent of insurance claims are in the low to moderate risk areas.

Elevation Certificate (EC)/Letter of Map Change (LOMC)

If you are in the county's jurisdiction and are need of an elevation certificate or Letter of Map Change please contact Tonya Cottrell, Floodplain Manager at 317-745-9445 to see if one if on file for you property.