Enter any address in Dearborn County, Indiana to see its FEMA flood zone
Flash flooding from summer thunderstorms is the dominant flood character in Dearborn County. Between 2021 and 2022, NOAA Storm Events data recorded 53 flash flood events and 38 flood events. For example, thunderstorms produced heavy rainfall leading to flash flooding on June 30, 2021, and scattered thunderstorms caused flooding on May 21, 2022.
National Flood Insurance Program (NFIP) claims data shows that properties in Zone A have experienced the most claims, with an average payout of $21,319. However, properties in Zone X_UNSHADED have seen higher average payouts of $24,535, despite fewer claims. Homeowners in or near flood zones, particularly those in Zone A which has the highest claim frequency, should pay close attention to their flood risk.
Summary generated from NOAA storm narratives and NFIP claim data for this county. Not predictive.
6 NOAA storm reports from this county describe what happened, in the words of the meteorologists who were there.
Dearborn County, Indiana has recorded 91 flood-related events since 1996 according to NOAA's Storm Events Database, including 53 flash floods and 38 river or area floods. The county has received 20 federal disaster declarations, 4 of which involved flooding or coastal storms. Enter any address above to check its FEMA flood zone designation.
FEMA Disaster Declarations (1968–2026)
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, Straight-line Winds, And | Severe Storm | Apr 19, 2011 |
| Severe Storms And Flooding | Severe Storm | Sep 12, 2008 |
| Severe Storms, Flooding, And Tornadoes | Severe Storm | May 30, 2008 |
| Hurricane Katrina Evacuation | Hurricane | Aug 29, 2005 |
| Severe Winter Storms And Flooding | Severe Storm | Jan 1, 2005 |
| Snow | Snowstorm | Dec 21, 2004 |
NOAA Storm Events Database (1996–2025)
Source: NOAA National Weather Service Storm Events Database.
| Type | Date | Damage |
|---|---|---|
| Flash Flood | Feb 16, 2025 | 10.00K |
| Flood | Mar 24, 2023 | 0.00K |
| Flood | May 21, 2022 | 0.00K |
| Flash Flood | Jun 30, 2021 | 10.00K |
| Flash Flood | Jun 19, 2021 | 100.00K |
| Flash Flood | Jun 16, 2019 | 6.00K |
| Flash Flood | Jun 16, 2019 | 0.00K |
| Flood | Jun 15, 2019 | 0.00K |
| Flood | Jul 15, 2019 | 0.00K |
| Flood | Feb 12, 2019 | 0.00K |
Flash Flood — Feb 16, 2025
Heavy rain associated with a low pressure system fell across much of the Ohio Valley.
Flood — Mar 24, 2023
A strong low pressure system moved through the Ohio Valley, producing locally heavy rainfall.
Flood — May 21, 2022
Thunderstorms developed during the afternoon hours in an unstable air mass in place across the Ohio Valley.
Flash Flood — Jun 30, 2021
Thunderstorms developed ahead of a cold front moving through the Ohio Valley. Some of the storms produced heavy rainfall.
Flash Flood — Jun 19, 2021
Thunderstorms developed during the afternoon and evening hours as a low pressure system moved through a warm and humid airmass that was in place across the 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 Dearborn 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 Dearborn 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.