Indiana · DR-4933
0.53%: The NFIP Gap in Indiana's 21 Declared Counties
5,387 residential NFIP policies against 1,020,568 homes, and an HO-3 anti-concurrent-causation clause on the other side of it.
Photo: Wikimedia Commons / ONUnicorn
In short
FEMA designated 21 Indiana counties for Individual Assistance under DR-4933-IN on August 25, 2026. Those counties hold 5,387 residential NFIP policies against 1,020,568 residential structures, a 0.53% take-up rate as of August 3, 2026, with Union County at a single policy for 4,016 homes. For the other 99.5%, the claim turns on separating the wind loss from water excluded under HO 00 03 10 00 and its anti-concurrent-causation lead-in.
FEMA designated 21 Indiana counties for Individual Assistance under DR-4933-IN on Aug. 25, 2026.1 Those counties hold 1,020,568 residential structures and 5,387 residential NFIP policies in force, a take-up rate of 0.53% as of Aug. 3, 2026.2
The incident period opened Aug. 11 and carried no end date as of the Aug. 26 data refresh, so the county list can still grow.1 A separate emergency declaration, EM-3651-IN, covers 53 Indiana counties for Public Assistance on the same storm, which is why a reader checking your work finds 53.1 The 21 counties charted below are DR-4933 Individual Assistance as designated as of Aug. 26, 2026.
Union County carries exactly one residential NFIP policy against 4,016 residential structures.2
Statewide take-up is 0.51%, so the declared footprint tracks Indiana at large.2 A caveat on the dataset: these counts are NFIP policies only. Private and surplus-lines flood products exist and are not in this file, so actual flood coverage in these counties runs somewhat above the bars.
The wind portion is the claim
For roughly 99.5% of the structures inside the IA footprint, which carry no NFIP policy, the flood question closes before it opens and the claim becomes a wind claim. HO 00 03 10 00 excludes water damage at Section I, para. A.3, and the exclusion reaches flood, surface water, waves, tidal water, overflow of a body of water, or spray from any of these, "whether or not driven by wind."3 Subsection (b) picks up sewer and drain backup and sump discharge. On the base form, with no water backup endorsement attached, moving the water's entry point from the river to the floor drain does not move the loss into coverage. Above both sits the anti-concurrent-causation lead-in at para. A: "We do not insure for loss caused directly or indirectly by any of the following. Such loss is excluded regardless of any other cause or event contributing concurrently or in any sequence to the loss."3 The form says the excluded cause governs even where a covered cause contributed to the same damage. Whether a given jurisdiction enforces that lead-in as written is a separate question the form text does not settle.
Which puts the work on separation, and the adjuster doing the separating is you. Wind damage to the roof, the envelope, and the interior that got wet because the envelope opened is a different loss from water that arrived at grade, and it has to be scoped, photographed and dated separately. We covered the wind side of this same storm system in the August 2026 Midwest derecho. Because the incident period spans multiple discrete events from Aug. 11 forward, date of loss is contestable, so pull the archived observations for the parcel and the day, the way we set out in weather-record documentation.
FEMA Individual Assistance is capped and is no substitute for insurance.4 Clients in the 21 counties should still file, and the deadline is Oct. 25, 2026.1
Does the DR-4933 Individual Assistance designation mean my client's flood damage is covered?
No. Individual Assistance is capped federal disaster aid, not first-party coverage. Across the 21 counties designated under DR-4933, 0.53% of residential structures carry a residential NFIP policy, so for almost everyone in the footprint the flood portion of the loss has no flood policy behind it.
Can we argue the water came in through a floor drain rather than a flood?
No, not on the base form. HO 00 03 10 00 excludes sewer and drain backup and sump discharge at Section I, para. A.3(b), alongside the flood and surface water exclusion at para. A.3(a). Without a water backup endorsement on the declarations page, relocating the entry point does not relocate the loss into coverage.
Does the anti-concurrent-causation clause take out the wind portion too?
It depends. The lead-in at Section I, para. A says an excluded loss stays excluded regardless of any cause contributing concurrently or in any sequence. How that gets applied to a roof opened by wind before water arrived varies by jurisdiction, which is why the wind scope needs its own documented damages and its own date of loss.
Can more Indiana counties still be added to DR-4933?
Yes. The incident period began Aug. 11, 2026 and had no end date as of the Aug. 26 data refresh, so designations can change. The 21-county Individual Assistance list here is current as of Aug. 26, 2026. EM-3651-IN is a separate declaration covering 53 Indiana counties for Public Assistance on the same storm.
Sources cited
- Disaster Declarations Summaries — DR-4933-IN, Indiana Severe Storms, Straight-Line Winds, Tornadoes, and Flooding— Federal Emergency Management Agency (OpenFEMA)
- NFIP Residential Penetration Rates dataset, data as of August 3, 2026— Federal Emergency Management Agency (OpenFEMA)
- Homeowners 3 — Special Form, HO 00 03 10 00, Section I – Exclusions— Insurance Services Office, Inc. (sample form published by the Insurance Information Institute)
- FEMA Disaster 4933 — Indiana Severe Storms, Straight-Line Winds, Tornadoes, and Flooding— Federal Emergency Management Agency
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