It's tough to say without some visuals whether it's something your are or are not doing, or if it's a problem with the file or program.
First, can you make a new file, then fill a frame with placeholder text. Now add another frame of any sort, open the Text wrap panel, and apply wrap. Does the wrap work when you move that frame into the text area? If it does, then either the other file has a problem or you are doing something incorrectly. If the wrap doesn't work in the new file either, see Replace Your Preferences
Please come back with more details of what you are doing and the stacking order of the objects. It might be important which one is on top (there's a prefernce for that). It also matters if you have "Ignore Text Wrap" checked off in the thext frame options, and of course it would be a good idea to verify that you've really applied wrap to the photos.
Thanks for getting back to me. When I arranged items so the text was in the background and the photos were on top, I had no problem getting the text wrap to work. I found the option under preference and unchecked the preference "text wrap only affects text beneath." So now everything works.
I am puzzled, however, because I always had that text wrap option checked and never had a problem before and never had to arrange text and photos.
Thanks for your help.