Enter any address in Cass County, Indiana to see its FEMA flood zone
Flash flooding from thunderstorms is the dominant flood character in Cass County, IN. Over the last 30 years, NOAA Storm Events data shows 14 flash flood events and 9 flood events, including one fatality. For example, a flash flood event occurred on July 11, 2017, due to a quasi-stationary boundary and an approaching upper-level wave that triggered storms producing areal flooding. Another flood event on May 31, 2013, resulted from a convective complex that moved into the area, causing isolated severe weather and flooding.
National Flood Insurance Program (NFIP) claims data indicates that properties in Zone A have experienced the most claims, with an average payout of $7,569 and an average water depth of 5.0 feet. While Zone X has fewer claims, the average payout is significantly higher at $54,000, though with a lower average water depth of 1.8 feet. Homeowners in Zone A, as well as those in Zone X and X_UNSHADED, should pay close attention to flood risk.
Summary generated from NOAA storm narratives and NFIP claim data for this county. Not predictive.
3 NOAA storm reports from this county describe what happened, in the words of the meteorologists who were there.
Cass County, Indiana has recorded 23 flood-related events since 1996 according to NOAA's Storm Events Database, including 14 flash floods and 9 river or area floods. The county has received 15 federal disaster declarations. 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 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 |
| Severe Storms, Tornadoes, And Flooding | Severe Storm | Jul 4, 2003 |
| Snow | Snowstorm | Dec 11, 2000 |
NOAA Storm Events Database (1996–2025)
Source: NOAA National Weather Service Storm Events Database.
| Type | Date | Damage |
|---|---|---|
| Flood | Jul 11, 2017 | 0.00K (1 deaths) |
| Flash Flood | Jul 11, 2017 | 500.00K |
| Flood | May 31, 2013 | 0.00K |
| Flash Flood | Jun 21, 2010 | 0.00K |
| Flash Flood | May 15, 2009 | 0.00K |
| Flood | Jan 8, 2008 | 150.00K |
| Flash Flood | Jun 19, 2007 | 0.00K |
| Flash Flood | Sep 8, 2007 | 0.00K |
| Flash Flood | Jun 12, 2004 | — |
| Flash Flood | Jun 11, 2004 | 5K |
Flood — Jul 11, 2017
Synoptic quasi-stationary boundary was located across the forecast area, initially across northern parts during the morning and then sagging south as an upper level wave moved into the region during the late afternoon and evening hours. A morning complex of storms caused sporadic wind damage as well as some areal flooding. Subsidence behind the system kept any further development of storms limi...
Flash Flood — Jul 11, 2017
Synoptic quasi-stationary boundary was located across the forecast area, initially across northern parts during the morning and then sagging south as an upper level wave moved into the region during the late afternoon and evening hours. A morning complex of storms caused sporadic wind damage as well as some areal flooding. Subsidence behind the system kept any further development of storms limi...
Flood — May 31, 2013
A convective complex developed across central Illinois late in the afternoon of May 31st, and grew slightly upscale into northwest Indiana late in the evening, producing isolated severe weather and some flooding issues. The initial complex weakened and produced an outflow boundary across southern third of the area from the late evening hours of the 21st into the morning hours of June 1st. Conve...
Flash Flood — Jun 21, 2010
A stationary boundary and abundant moisture allowed for thunderstorms to develop. The main threat was heavy rainfall from the stronger storms, which caused flooding in some areas.
Flash Flood — May 15, 2009
A warm front was located across central Indiana during the early evening hours. An area of convection moved in from Illinois along the front and weakened below severe levels. However, the complex began to expand and become a proficient rain producer with several areas seeing flooding rains averaging between 1.5 and 3 inches, with some higher amounts.
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 Cass 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 Cass 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.