| 2004 NCAA Division I-AA season | |
|---|---|
 | |
| Regular season | |
| Number of teams | 122 |
| Duration | August 28–November |
| Payton Award | QB Lang Campbell, William & Mary |
| Buchanan Award | LB Jordan Beck, Cal Poly |
| Playoff | |
| Duration | November 27–December 17 |
| Championship date | December 17, 2004 |
| Championship site | Finley Stadium Chattanooga, Tennessee |
| Champion | James Madison |
| NCAA Division I-AA football seasons | |
«2003 2005» | |
The 2004 NCAA Division I-AA football season, part of college football in the United States organized by the National Collegiate Athletic Association at the Division I-AA level, began on August 28, 2004, and concluded with the 2004 NCAA Division I-AA Football Championship Game on December 17, 2004, at Finley Stadium in Chattanooga, Tennessee. James Madison won their first I-AA championship, defeating Montana by a final score of 31−21.