1995 NAIA Division I football season

The 1995 NAIA Division I football season was the 40th season of college football sponsored by the NAIA, was the 26th season of play of the NAIA's top division for football.

The season was played from August to November 1995 and culminated in the 1995 NAIA Champion Bowl playoffs and the 1995 NAIA Champion Bowl, played this year on December 2, 1995 at Doc Wadley Stadium in Tahlequah, Oklahoma, on the campus of Northeastern State University.

The Central State Marauders defeated the in the Champion Bowl, 37–7, to win their third NAIA national title. It was the RiverHawks' second consecutive loss in the championship game and the Marauders' third title in six seasons.

Conference changes

 * The Arkansas Intercollegiate Conference disbanded before the start of the season, with its football members departing for the NCAA Division II's Gulf South Conference and Lone Star Conference.
 * This was the final season that the NAIA officially recognized a football champion from the Oklahoma Intercollegiate Conference. The OIC, the second incarnation of a football conference with the same name, would complete one final season in 1996 before disbanding.