Enter any address in Clark County, Indiana to see its FEMA flood zone
Flash flooding from heavy rain events is the dominant flood character in Clark County, Indiana. Between 2000 and 2020, NOAA Storm Events data recorded 75 flash flood events and 22 flood events. Recent examples include a major heavy rain and flash flooding event across southern Indiana on February 15th and 16th, 2025, and another flash flood event on April 2nd, 2025, which left behind a wake of damage.
National Flood Insurance Program (NFIP) claims data shows that properties in Zone A, which have a high flood risk, have experienced the most claims, with an average payout of $24,581 and an average water depth of 5.2 feet. Properties in Zone X (moderate flood risk) also saw significant claims with an average water depth of 9.0 feet, though fewer claims than Zone A. Homeowners in Zone A, and those in Zone X with higher water depths, should pay the most attention to flood risk.
Summary generated from NOAA storm narratives and NFIP claim data for this county. Not predictive.
32 NOAA storm reports from this county describe what happened, in the words of the meteorologists who were there.
Clark County, Indiana has recorded 97 flood-related events since 1996 according to NOAA's Storm Events Database, including 75 flash floods and 22 river or area floods. The county has received 20 federal disaster declarations, 5 of which involved flooding or coastal storms. Enter any address above to check its FEMA flood zone designation.
FEMA Disaster Declarations (1974–2026)
Source: OpenFEMA Disaster Declarations Summaries.
| Declaration | Type | Date |
|---|---|---|
| Severe Winter Storm | Winter Storm | Jan 23, 2026 |
| Severe Storms, Straight-line Winds, Tornadoes, And Flooding | Flood | Mar 30, 2025 |
| Covid-19 | Biological | Jan 20, 2020 |
| Covid-19 Pandemic | Biological | Jan 20, 2020 |
| Severe Storms And Flooding | Flood | Feb 14, 2018 |
| Severe Storms, Straight-line Winds, And Tornadoes | Severe Storm | Feb 29, 2012 |
| Severe Storms, Tornadoes, Straight-line Winds, And | Severe Storm | Apr 19, 2011 |
| Severe Winter Storm | Severe Storm | Jan 26, 2009 |
| Severe Storms And Flooding | Severe Storm | Sep 12, 2008 |
| Hurricane Katrina Evacuation | Hurricane | Aug 29, 2005 |
NOAA Storm Events Database (1996–2025)
Source: NOAA National Weather Service Storm Events Database.
| Type | Date | Damage |
|---|---|---|
| Flash Flood | Jul 17, 2025 | 0.00K |
| Flash Flood | Feb 16, 2025 | 0.00K |
| Flood | Feb 16, 2025 | 0.00K |
| Flash Flood | Feb 15, 2025 | 0.00K |
| Flash Flood | Apr 4, 2025 | 0.00K |
| Flood | Mar 25, 2023 | 0.00K |
| Flash Flood | Mar 3, 2023 | 0.00K |
| Flash Flood | Aug 30, 2021 | 0.00K |
| Flash Flood | Jul 12, 2021 | 0.00K |
| Flood | Jul 8, 2021 | 0.00K |
Flash Flood — Jul 17, 2025
On July 17th, a west to east oriented cold front dropped southeast from the Midwest and stalled along the Ohio River. Multiple waves of convection along the front continued moving west to east across southern Indiana before the front lifted back north on July 20th. Isolated flooding issues were observed in multiple counties.
Flash Flood — Feb 16, 2025
A major heavy rain and flash flooding event took place across southern Indiana and central Kentucky on February 15th and 16th, 2025. The large scale upper level pattern featured deep troughing ejecting across the central CONUS, with broad southwesterly flow occurring in the low and mid troposphere. Southerly flow helped to draw rich moisture up from the Gulf of America, with unseasonably high p...
Flood — Feb 16, 2025
A major heavy rain and flash flooding event took place across southern Indiana and central Kentucky on February 15th and 16th, 2025. The large scale upper level pattern featured deep troughing ejecting across the central CONUS, with broad southwesterly flow occurring in the low and mid troposphere. Southerly flow helped to draw rich moisture up from the Gulf of America, with unseasonably high p...
Flash Flood — Feb 15, 2025
A major heavy rain and flash flooding event took place across southern Indiana and central Kentucky on February 15th and 16th, 2025. The large scale upper level pattern featured deep troughing ejecting across the central CONUS, with broad southwesterly flow occurring in the low and mid troposphere. Southerly flow helped to draw rich moisture up from the Gulf of America, with unseasonably high p...
Flash Flood — Apr 4, 2025
On the night of April 2nd, 2025, a cold front approached the lower Ohio Valley. Along and ahead of the cold front, numerous supercells developed over southern Illinois and western Kentucky. These storms tracked eastward and occasionally grew upscale into a QLCS with bowing segments. Storms lasted all night and into the morning hours, as the cold front began to stall over the lower Ohio Valley. ...
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 Clark 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 Clark 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.