The 1995 NAIA Division II football season, as part of the 1995 college football season in the United States and the 40th season of college football sponsored by the NAIA, was the 26th season of play of the NAIA's lower division for football. The season was played from August to November 1995 and culminated in the 1995 NAIA Division II Football National Championship, played in Tacoma, Washington. Central Washington and Findlay played to a 21–21 tie and were named co-national champions. It was the Wildcats' first NAIA national title and the Oilers' third.