Enter any address in Carroll County, Indiana to see its FEMA flood zone
Flash flooding from scattered thunderstorms is the dominant flood character in Carroll County. Recent events include flash flooding in July 2021 and May 2019, associated with strong thunderstorms producing heavy rain.
The National Flood Insurance Program (NFIP) data shows a significant number of claims in Zone A, with an average payout of $31,003 and an average water depth of 6.9 feet. While Zone X claims have a higher average payout ($32,750), they represent fewer incidents. Homeowners in Zone A, as well as those in Zone X_UNSHADED which has seen deeper water in claims, should pay particular attention to flood risk.
Summary generated from NOAA storm narratives and NFIP claim data for this county. Not predictive.
11 NOAA storm reports from this county describe what happened, in the words of the meteorologists who were there.
Carroll County, Indiana has recorded 50 flood-related events since 1996 according to NOAA's Storm Events Database, including 18 flash floods and 32 river or area floods. The county has received 16 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 (1977–2026)
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 Storms And Flooding | Flood | Feb 14, 2018 |
| Severe Storms, Tornadoes, And Flooding | Severe Storm | Mar 8, 2009 |
| Severe Storms And Flooding | Severe Storm | Jan 7, 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 |
NOAA Storm Events Database (1996–2025)
Source: NOAA National Weather Service Storm Events Database.
| Type | Date | Damage |
|---|---|---|
| Flash Flood | Jul 15, 2021 | 10.00K |
| Flash Flood | May 28, 2019 | 5.00K |
| Flood | Jun 23, 2017 | 0.25K |
| Flash Flood | Jul 11, 2017 | 2.00K |
| Flood | Aug 21, 2014 | 0.50K |
| Flash Flood | Jul 10, 2013 | 1.00K |
| Flood | Apr 10, 2013 | 0.50K |
| Flash Flood | Jun 4, 2011 | 3.00K |
| Flash Flood | Jul 2, 2011 | 20.00K |
| Flash Flood | May 31, 2010 | 0.75K |
Flash Flood — Jul 15, 2021
During the late afternoon and early evening hours of July 15th, scattered thunderstorms associated with a diffuse cold front moved across central Indiana. Many of the storms remained sub-severe, but two of the storms caused isolated pockets of damaging wind gusts across Hendricks and Owen counties. Another storm caused roof damage and flash flooding in Carroll county.
Flash Flood — May 28, 2019
A band of showers and thunderstorms developed and pushed across northern portions of central Indiana during the late afternoon and evening of May the 28th. These storms produced large hail, damaging thunderstorms wind gusts, and flash flooding.
Flood — Jun 23, 2017
The second significant rain event of June occurred on the 23rd. The combination of a cold front and the moisture from a tropical storm dumped heavy rains of 2 to more than 5 inches in portions of north central, east central and southeast Indiana. This lead to flooding across central and northern portions of central Indiana.
Flash Flood — Jul 11, 2017
Northwest flow in the upper atmosphere allowed multiple waves to move across the area. The atmosphere had a high moisture content and was unstable. The waves interacted with the moisture and instability to produce the severe weather and heavy rain. Multiple rounds of thunderstorms moved over the same locations, creating the flooding problems. Several rounds of thunderstorms, from July 10th thro...
Flood — Aug 21, 2014
During the evening of the 21st, a line of thunderstorms intensified as it moved into northern portions of central Indiana. Hail damage to structures and trees knocked down were common from near Lafayette east through Lebanon and Noblesville to Anderson. The most intense storm developed on the western end of the line, affecting areas from Lafayette to Lebanon. Hail up to two inches in diameter o...
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 Carroll 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 Carroll 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.