| Year | Champion | Coach | Score | Runner-Up | Site |
|---|---|---|---|---|---|
| 2017 | North Dakota State | Chris Klieman | 17-13 | James Madison | Frisco, Texas |
| 2016 | James Madison | Mike Houston | 28-14 | Youngstown State | Frisco, Texas |
| 2015 | North Dakota State | Chris Klieman | 37-10 | Jacksonville State | Frisco, Texas |
| 2014 | North Dakota State | Chris Klieman | 29-27 | Illinois State | Frisco, Texas |
| 2013 | North Dakota State | Craig Bohl | 35-7 | Towson | Frisco, Texas |
| 2012 | North Dakota State | Craig Bohl | 39-13 | Sam Houston State | Frisco, Texas |
| 2011 | North Dakota State | Craig Bohl | 17-6 | Sam Houston State | Frisco, Texas |
| 2010 | Eastern Washington | Beau Baldwin | 20-19 | Delaware | Frisco, Texas |
| 2009 | Villanova | Andy Talley | 23-21 | Montana | Chattanooga, Tenn. |
| 2008 | Richmond | Mike London | 24-7 | Montana | Chattanooga, Tenn. |
| 2007 | Appalachian State | Jerry Moore | 49-21 | Delaware | Chattanooga, Tenn. |
| 2006 | Appalachian State | Jerry Moore | 28-17 | Massachusetts | Chattanooga, Tenn. |
| 2005 | Appalachian State | Jerry Moore | 21-16 | UNI | Chattanooga, Tenn. |
| 2004 | James Madison | Mickey Matthews | 31-21 | Montana | Chattanooga, Tenn. |
| 2003 | Delaware | K.C. Keeler | 40-0 | Colgate | Chattanooga, Tenn. |
| 2002 | Western Kentucky | Jack Harbaugh | 34-14 | McNeese State | Chattanooga, Tenn. |
| 2001 | Montana | Joe Glenn | 13-6 | Furman | Chattanooga, Tenn. |
| 2000 | Georgia Southern | Paul Johnson | 27-25 | Montana | Chattanooga, Tenn. |
| 1999 | Georgia Southern | Paul Johnson | 59-24 | Youngstown State | Chattanooga, Tenn. |
| 1998 | Massachusetts | Mark Whipple | 55-43 | Georgia Southern | Chattanooga, Tenn. |
| 1997 | Youngstown State | Jim Tressel | 10-9 | McNeese State | Chattanooga, Tenn. |
| 1996 | Marshall | Bob Pruett | 49-29 | Montana | Huntington, W.Va. |
| 1995 | Montana | Don Read | 22-20 | Marshall | Huntington, W.Va. |
| 1994 | Youngstown State | Jim Tressel | 28-14 | Boise State | Huntington, W.Va. |
| 1993 | Youngstown State | Jim Tressel | 17-5 | Marshall | Huntington, W.Va. |
| 1992 | Marshall | Jim Donnan | 31-28 | Youngstown State | Huntington, W.Va. |
| 1991 | Youngstown State | Jim Tressel | 25-17 | Marshall | Statesboro, Ga. |
| 1990 | Georgia Southern | Tim Stowers | 36-13 | Nevada | Statesboro, Ga. |
| 1989 | Georgia Southern | Erk Russell | 37-34 | Stephen F. Austin * | Statesboro, Ga. |
| 1988 | Furman | Jimmy Satterfield | 17-12 | Georgia Southern | Pocatello, Idaho |
| 1987 | Louisiana-Monroe | Pat Collins | 43-42 | Marshall | Pocatello, Idaho |
| 1986 | Georgia Southern | Erk Russell | 48-21 | Arkansas State | Tacoma, Wash. |
| 1985 | Georgia Southern | Erk Russell | 44-42 | Furman | Tacoma, Wash. |
| 1984 | Montana State | Dave Arnold | 19-6 | Louisiana Tech | Charleston, S.C. |
| 1983 | Southern Illinois | Rey Dempsey | 43-7 | Western Carolina | Charleston, S.C. |
| 1982 | Eastern Kentucky | Roy Kidd | 17-14 | Delaware | Wichita Falls, Texas |
| 1981 | Idaho State | Dave Kragthorpe | 34-23 | Eastern Kentucky | Wichita Falls, Texas |
| 1980 | Boise State | Jim Criner | 31-29 | Eastern Kentucky | Sacramento, Calif. |
| 1979 | Eastern Kentucky | Roy Kidd | 30-7 | Lehigh | Orlando, Fla. |
| 1978 | Florida A&M | Ruby Hubbard | 35-28 | Massachusetts | Wichita Falls, Texas |
* -- Stephen F. Austin's participation in 1989 championship vacated.
