Enter any address in Delaware County, Indiana to see its FEMA flood zone
Flash flooding from heavy rainfall events is the dominant flood character in Delaware County. Recent events include flash flooding in and near Muncie on July 26, 2025, caused by training heavy rains, and widespread flooding in Delaware County on July 17, 2022, following several hours of rainfall exceeding 6 inches in some areas.
National Flood Insurance Program (NFIP) data shows that properties in Zone A have experienced the highest number of claims, with an average payout of $11,220 and an average water depth of 2.5 feet. Properties in Zone X_UNSHADED and Zone X have also seen significant claims, with average payouts exceeding $9,600 and average water depths around 4 feet. Homeowners in Zone A, as well as those in Zone X_UNSHADED and Zone X, should pay close attention to flood risk.
Summary generated from NOAA storm narratives and NFIP claim data for this county. Not predictive.
31 NOAA storm reports from this county describe what happened, in the words of the meteorologists who were there.
Delaware County, Indiana has recorded 76 flood-related events since 1996 according to NOAA's Storm Events Database, including 36 flash floods and 40 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 (1974–2026)
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 |
| Snow | Snowstorm | Feb 12, 2007 |
| Hurricane Katrina Evacuation | Hurricane | Aug 29, 2005 |
| Severe Winter Storms And Flooding | Severe Storm | Jan 1, 2005 |
| Snow | Snowstorm | Dec 21, 2004 |
| Severe Storms, Tornadoes, And Flooding | Severe Storm | May 25, 2004 |
| Severe Storms, Tornadoes, And Flooding | Severe Storm | Aug 26, 2003 |
| Severe Storms, Tornadoes, And Flooding | Severe Storm | Jul 4, 2003 |
NOAA Storm Events Database (1996–2025)
Source: NOAA National Weather Service Storm Events Database.
| Type | Date | Damage |
|---|---|---|
| Flash Flood | Jul 26, 2025 | 25.00K |
| Flash Flood | Apr 4, 2025 | 50.00K |
| Flash Flood | Jul 17, 2022 | 25.00K |
| Flood | Dec 11, 2021 | 0.00K |
| Flash Flood | Mar 28, 2020 | 25.00K |
| Flood | Aug 3, 2020 | 2.00K |
| Flood | Apr 25, 2019 | 5.00K |
| Flash Flood | Jul 10, 2019 | 2.00K |
| Flash Flood | Jul 10, 2019 | 30.00K |
| Flash Flood | Jul 10, 2019 | 3.00K |
Flash Flood — Jul 26, 2025
Marginally hot and humid conditions on the 26th combined with remnant outflow boundaries and a weak upper level disturbence amid the overall ridge-rider pattern, to produce scattered late day and evening thunderstorms. While most cells were sub-severe, isolated wind damge occurred in Morgan County. Later in the evening, training heavy rains caused flash flooding in and near Muncie.
Flash Flood — Apr 4, 2025
The final round of rain in a stretch of 4 days brought rain amounts of 2-4.5 inches of rain to central Indiana in addition to the 3-5 inches that had fallen. This led to additional widespread flash flooding and exacerbated ongoing creek and river flooding to a point that many main stem rivers ended up reaching major flood stage.
Flash Flood — Jul 17, 2022
A complex of storms moved over portions of Madison and Delaware county causing widespread flooding and pockets of flash flooding. The rain fell over the course of several hours with amounts of over 6 inches in spots. Conditions had been fairly dry in the days leading up which limited the extent of flash flooding.
Flood — Dec 11, 2021
A rapidly intensifying storm system tracking northeastward through the Quad Cities area produced strong low-level southerly flow over central Indiana, including a low level jet (LLJ) of 70 mph at the 850 mb level, during the evening and overnight of the 10th. These winds near the surface brought unseasonably high dewpoints as high as the low to mid 60s that destabilized the atmosphere, while t...
Flash Flood — Mar 28, 2020
On March 28th, a strong low pressure system brought 3 rounds of severe thunderstorms to central Indiana. The first round brought widespread 1 to 1.75 inch hail to much of the area with the second event bringing additional large hail and flash flooding. A third round during the late evening and overnight brought additional heavy rain and damaging wind gusts. A microburst caused an intense ar...
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 Delaware 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 Delaware 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.