Enter any address in Boone County, Indiana to see its FEMA flood zone
Flash flooding from thunderstorms is the dominant flood character in Boone County. Over the past 30 years, NOAA data shows 36 flood events and 17 flash flood events. Recent examples include flash flooding on June 14th, where storms brought up to 6 inches of rain, causing numerous road closures and minor flooding along river basins. Minor flooding also occurred on October 21st, following thunderstorms that dropped over 3 inches of rain in some areas.
FEMA data indicates that properties in Zone A have experienced the most National Flood Insurance Program claims, with an average of 59 claims, an average payout of $6,792, and an average water depth of 5.2 feet. While Zone X has fewer claims (13), the average payout is higher at $13,462, though with a lower average water depth of 1.5 feet. Homeowners in Zone A, as well as those residing near rivers or in areas with lower-lying terrain, should pay particular attention to flood risk.
Summary generated from NOAA storm narratives and NFIP claim data for this county. Not predictive.
14 NOAA storm reports from this county describe what happened, in the words of the meteorologists who were there.
Boone County, Indiana has recorded 53 flood-related events since 1996 according to NOAA's Storm Events Database, including 17 flash floods and 36 river or area floods. The county has received 17 federal disaster declarations, 2 of which involved flooding or coastal storms. Enter any address above to check its FEMA flood zone designation.
FEMA Disaster Declarations (1965–2026)
Source: OpenFEMA Disaster Declarations Summaries.
| Declaration | Type | Date |
|---|---|---|
| Severe Winter Storm | Winter Storm | Jan 23, 2026 |
| Covid-19 | Biological | Jan 20, 2020 |
| Covid-19 Pandemic | Biological | Jan 20, 2020 |
| Severe Winter Storm And Snowstorm | Severe Storm | Jan 5, 2014 |
| Severe Storms, Flooding, And Tornadoes | Severe Storm | May 30, 2008 |
| Snow | Snowstorm | Feb 12, 2007 |
| Hurricane Katrina Evacuation | Hurricane | Aug 29, 2005 |
| Severe Winter Storms And Flooding | Severe Storm | Jan 1, 2005 |
| Severe Storms, Tornadoes, And Flooding | Severe Storm | May 25, 2004 |
| Severe Storms, Tornadoes, And Flooding | Severe Storm | Aug 26, 2003 |
NOAA Storm Events Database (1996–2025)
Source: NOAA National Weather Service Storm Events Database.
| Type | Date | Damage |
|---|---|---|
| Flash Flood | Jun 14, 2025 | 20.00K |
| Flood | Oct 21, 2020 | 1.00K |
| Flash Flood | Jun 5, 2019 | 5.00K |
| Flood | Jun 5, 2019 | 3.00K |
| Flood | Sep 25, 2018 | 0.50K |
| Flood | Nov 18, 2017 | 3.00K |
| Flood | Jun 23, 2016 | 0.50K |
| Flood | Apr 9, 2015 | 1.00K |
| Flash Flood | May 21, 2014 | 1.00K |
| Flood | Aug 21, 2014 | 1.00K |
Flash Flood — Jun 14, 2025
Multiple rounds of slow-moving storms impacted much of north central Indiana during the late overnight and morning hours of June 14th with rain totals as high as 6 inches. Numerous roads were closed with the most severe flooding noted on the south side of Kokomo. This flooding led to minor flooding along the Wildcat creek basin and the upper Wabash and upper White rivers.
Flood — Oct 21, 2020
During the early morning hours of October 21st, a series of training thunderstorms brought heavy rain to portions of central Indiana. The heaviest rain fell across an axis generally just north of I-70 with rain amounts in excess of 3 inches in spots. This lead to a few areas of minor flooding with little impacts noted.
Flash Flood — Jun 5, 2019
Several places saw damaging winds topple trees into roads, cars, and a house. The storms started to develop over White and Benton counties with a general motion to the south east. By the time the storms reached Tippecanoe county they had strengthened enough to become severe. Several trees fell over onto yards and cars.
Flood — Jun 5, 2019
Several places saw damaging winds topple trees into roads, cars, and a house. The storms started to develop over White and Benton counties with a general motion to the south east. By the time the storms reached Tippecanoe county they had strengthened enough to become severe. Several trees fell over onto yards and cars.
Flood — Sep 25, 2018
A couple different waves of showers and thunderstorms moved northeast during the early morning and late morning/early afternoon of September the 25th. This multiple rounds of rain produced flooding to the northwest of Indianapolis.
Source: NOAA National Weather Service Storm Events Database.
Source: OpenFEMA NFIP Individual Claims (2.25M records analyzed).
FEMA assigns flood zone designations to areas in Boone County, Indiana:
AE High Risk — 1% annual chance of flooding. Insurance required.
VE Very High Risk — Coastal flooding with wave action.
X (Shaded) Moderate Risk — 500-year floodplain.
X Low Risk — Outside major floodplains.
Properties in Boone County, Indiana that are in FEMA-designated Special Flood Hazard Areas (zones A and V) with federally backed mortgages are required to carry flood insurance.
Even outside high-risk zones, flood insurance is recommended. From 2014 to 2024, nearly one-third of NFIP claims came from outside the high-risk Special Flood Hazard Area.
Visit FloodSmart.gov to find an agent and get a quote.