Spray foam insulation quotes in Indiana

Our Indiana service area

Area	County	Zone	Median year built	Pre-1980	Gas heat	Heating degree days
Northwest Indiana	Lake County, Porter County, LaPorte County	5A	1968	66%	86%	6,038

Electric utilities in our Indiana counties

Northern Indiana Pub Serv Co (19.1¢/kWh); Indiana Michigan Power Co (16.3¢/kWh); Kankakee Valley Rural E M C (15.2¢/kWh); Jasper County Rural E M C (15.3¢/kWh).

EIA-861 2024 residential prices.

Indiana energy code

2018 IECC (via 2018 IRC Chapter 11) with Indiana amendments, effective December 26, 2019. Indiana amendments set ceiling insulation at R-38 (instead of R-49) and wood-frame walls at R-15 in climate zone 4. (NAHB)

Indiana's residential code writes its own energy table

The 2020 Indiana Residential Code, 675 IAC 14-4.4, is built on the 2018 IRC (first printing) with Indiana amendments and became effective December 26, 2019, replacing 675 IAC 14-4.3. It governs construction, alteration, additions and remodels of detached one- and two-family homes and one-family townhouses up to three stories. The building official is the local official named by ordinance, and plans for these homes follow local ordinance. DOE lists enforcement as "Mandatory Statewide", rates the amended code as equivalent to the 2009 IECC and 15.7% less efficient than the model it adopted, and shows no code certification submitted by the state. It projects the 2024 IECC would raise the price of a new Indiana home by $4,695 and cut bills by $595 a year, a 7.9-year payback, on about 14,452 housing starts a year.

Air sealing can be verified by a visual inspection against Table N1102.4.1.1, or by a fan pressurization test at 5 ACH50 or less; an independent tester is required only where the building official requires one. Supply and return ducts in attics need R-8 insulation when 3 inches or wider and R-6 when smaller; ducts elsewhere need R-6, or R-4.2 below 3 inches. Building framing cavities can't serve as supply ducts. Ducts must be pressure tested except when they and the air handler are located entirely inside the thermal envelope. For existing homes, portions left unaltered need not meet the energy chapter. Indiana's unvented crawlspace amendment insulates the walls under chapter 11 and section R316 and adds a 16-by-16-inch hard surface pad and an outlet next to the sump for a dehumidifier. Another amendment permits mechanical attic ventilation installed to the manufacturer's instructions with a humidistat and a visible ammeter or equivalent device. Confirm local amendments and permit rules with your city or county building department.

Sources: Indiana DHS, Rules of the Indiana Fire Prevention and Building Safety Commission; Indiana Register, Final Rule LSA Document #19-330(F), 675 IAC 14-4.4, 2020 Indiana Residential Code (DIN 20191225-IR-675190330FRA); U.S. DOE Building Energy Codes Program, Indiana status.

Climate zones 4A and 5A by county

PNNL's county data puts 30 of Indiana's 92 counties in zone 4A and 62 in 5A on the 2015 IECC map. The 2015 zone 4A counties are Brown, Clark, Crawford, Daviess, Dearborn, Dubois, Floyd, Gibson, Greene, Harrison, Jackson, Jefferson, Jennings, Knox, Lawrence, Martin, Monroe, Ohio, Orange, Perry, Pike, Posey, Ripley, Scott, Spencer, Sullivan, Switzerland, Vanderburgh, Warrick, Washington. The 2021 map shifts 15 more counties to 4A: Bartholomew, Clay, Decatur, Fayette, Franklin, Hendricks, Johnson, Marion, Morgan, Owen, Putnam, Rush, Shelby, Union, Vigo. That includes Marion County, home to Indianapolis. Lake, Porter and LaPorte stay 5A on both maps. Ask your building department which zone it applies under Indiana's 2018-based code.

Sources: PNNL-33270, Guide to Determining Climate Zone by County: Building America and IECC 2021 Updates (data files).

How Indiana's efficiency law shapes utility rebates

Senate Enrolled Act 340 of 2014 let the statewide Energizing Indiana program expire on December 31, 2014, yet still permitted utilities to keep offering programs. Senate Enrolled Act 412 of 2015 today requires the five investor-owned electric utilities to seek commission approval of efficiency plans at least once every three years, with independent evaluation, and permits recovery of program spending, lost revenues and incentives in rates. Industrial customers with more than 1 megawatt at a single site could opt out only until June 30, 2019. Municipal utilities and rural electric membership cooperatives are exempt, so ask yours what it provides.

Sources: Indiana Utility Regulatory Commission, DSM and Energy Efficiency; Senate Enrolled Act 412 (2015), as posted by the IURC (PDF); Indiana Office of Utility Consumer Counselor, Electric Utility Energy Efficiency Programs.

Which utilities pay for spray foam

CenterPoint Energy Indiana pays 40% of material and labor for attic insulation in 2026, up to $750 for all-electric service, $450 for gas-only and $360 for combined service. Open attics must start at R-11 or less and finish at R-38 or more; enclosed attics and ceiling cavities must go from R-5 or less to R-13 or more. The attic must be air sealed, an approved contractor must do the work, and the application is due within 60 days of installation. Its application lists high-density and low-density foam among the insulation types, so spray foam can qualify. New construction can't get insulation rebates.

Duke Energy Indiana's Smart $aver Insulate and Seal pays $250 for attic insulation with air sealing when the attic lies over at least 1,000 square feet of conditioned space, existing insulation is R-19 or less and is raised to R-30 or more, and air leakage improves at least 5%. Duct sealing earns $100. It's open to Duke residential electric customers in single-family homes, condos, townhomes and duplexes. A participating contractor from Duke's Find It Duke network must do the work and submits the application, and the rebate is paid within 60 days. Duke's page doesn't name spray foam, so ask Duke or the contractor whether a foam job qualifies. AES Indiana pays $0.425 per square foot when existing attic insulation is R-11 or less and $0.325 from R-12 to R-49, only for electric-heat homes and through its Quality Contractor Network; its page doesn't restrict the kind of insulation.

Indiana Michigan Power's income-qualified Home Energy Checkup provides up to $3,000 in free upgrades, including insulation, for single-family homes and up to $2,000 per apartment (866-749-7206). AES Indiana's income-qualified weatherization also adds insulation and air sealing at no cost for electric-heat homes. Citizens Energy Group in Indianapolis lists only conversion rebates, $150 for a gas water heater and $400 for a gas furnace replacing electric, oil or propane, and no insulation rebate. For NIPSCO, see our Northwest Indiana page. Confirm amounts with your utility before you sign.

Sources: CenterPoint Energy Indiana, Attic Insulation rebate; CenterPoint Energy Indiana, 2026 Residential Insulation Rebate Application (PDF); Duke Energy, Smart $aver Insulate and Seal (site location set to Indiana); AES Indiana, Home improvement rebates & discounts; AES Indiana, In-home energy assessments & weatherization assistance; Indiana Michigan Power, Income-Qualified Home Energy Checkup; Citizens Energy Group, Indianapolis rebates.

The Indiana Energy Saver Program is open

Indiana's Office of Energy Development opened the Indiana Energy Saver Program on May 14, 2025, putting about $182 million in federal funds into one application for both HOMES and HEAR. HOMES funds whole-house projects modeled to save at least 20%, and insulation and air sealing are eligible upgrades. HEAR is limited to households under 150% of area median income and covers equipment such as heat pumps, heat pump water heaters and electrical upgrades, plus up to $1,600 for insulation, air sealing and ventilation, within a $14,000 total. The rebate comes as an upfront discount from a qualified contractor.

The program is not taking duplexes, triplexes, fourplexes or condo units in multi-unit buildings. OED warns that program contractors never solicit at homes; the only way in is an application at IndianaEnergySaver.com, and the call center is 855-4-IN-SAVES.

Sources: Indiana Office of Energy Development, Home Energy Rebates; Indiana Energy Saver Program, FAQ.

Free weatherization through IHCDA

The Indiana Housing and Community Development Authority passes federal weatherization money to local service providers. Owners and renters with household income up to 200% of the federal poverty level, or who qualify for the Energy Assistance Program, can apply if the home is safe to weatherize. Eligible households go on a wait list, then get a free audit; state-trained contractors complete what it prescribes, which may include wall and attic insulation, air sealing, and duct and heating pipe insulation, followed by a final audit. Roofing, siding and windows typically are not covered, because weatherization isn't an emergency repair program. DOE estimates average household savings at about $283 a year. Contact your local service provider to apply.

Sources: IHCDA, Weatherization (WAP).

State tax credits for insulation: none found

The Indiana Department of Revenue's list of individual tax credits, which it describes as all available credits, has no credit for insulation or home energy efficiency. OED mentions property tax deductions for certain renewable energy systems, not insulation. Confirm with the Indiana Department of Revenue.

Sources: Indiana Department of Revenue, Credits; Indiana Office of Energy Development, Home Energy Rebates.

No state license for general or insulation contractors

The state's business guide says the only construction contractors Indiana licenses are plumbers. Licensing other contractors is a local option that varies by city and county. Indianapolis licenses general contractors through its Department of Business and Neighborhood Services: a $10,000 surety bond, general liability of at least $500,000 per occurrence, workers' compensation or a waiver, and a license that expires December 31 of even-numbered years. New licenses issued in 2026 cost $124, renewals $247, and new licensees attend an orientation within 60 days. Ask your city or county what it requires before signing a contract.

Sources: IN.gov, Business Owner's Guide; Indianapolis Department of Business and Neighborhood Services, General Contractor License Application Packet (PDF).

Radon

Indiana licenses radon professionals through the Indiana Department of Health under 410 IAC 5.1, in three categories: secondary radon tester, primary radon tester and radon mitigator. The radon laboratory tester and radon laboratory licenses have been phased out; a laboratory must employ at least one licensed primary tester. Each license requires national NRPP or NRSB certification first. A mitigator repairs or alters a building to lower radon levels, must be a full-time employee or employer responsible for all mitigation work, and may not perform tester functions. Verify a radon professional on Indiana's license lookup first.

Sources: Indiana Department of Health, Indiana Certified Radon Testers and Mitigators; Indiana Department of Health, Indiana Radon Licensing Instructions, April 2026 (PDF).

Utility insulation programs

Indiana state Home Energy Rebates

Cost ranges and foam basics: spray foam guide.