The 1981 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 in August 1981 and concluded with the 1981 NCAA Division I-AA Football Championship Game in the Pioneer Bowl on December 19, at Memorial Stadium in Wichita Falls, Texas. The Idaho State Bengals won their first I-AA championship, defeating the Eastern Kentucky Colonels, 34−23.