Enter any address in Floyd County, Indiana to see its FEMA flood zone
Flash flooding from heavy rainfall events is the dominant flood character in Floyd County. Recent examples include a major heavy rain and flash flooding event on February 15th and 16th, 2025, and another flash flood event on March 3rd, 2023, associated with a strong low-pressure system.
National Flood Insurance Program (NFIP) data indicates that properties in Zone A have experienced the most claims, with an average payout of $24,124 and an average water depth of 4.0 feet. Properties in Zone X also have a history of claims, though with lower average payouts and water depths. Homeowners in Zone A, as well as those in other designated flood zones and those without a Base Flood Elevation (BFE), should pay the most attention to flood risk.
Summary generated from NOAA storm narratives and NFIP claim data for this county. Not predictive.
9 NOAA storm reports from this county describe what happened, in the words of the meteorologists who were there.
Floyd County, Indiana has recorded 50 flood-related events since 1996 according to NOAA's Storm Events Database, including 35 flash floods and 15 river or area floods. The county has received 17 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 (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, 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 |
| Severe Winter Storms And Flooding | Severe Storm | Jan 1, 2005 |
NOAA Storm Events Database (1996–2025)
Source: NOAA National Weather Service Storm Events Database.
| Type | Date | Damage |
|---|---|---|
| Flash Flood | Feb 16, 2025 | 0.00K |
| Flash Flood | Mar 3, 2023 | 0.00K |
| Flash Flood | Aug 6, 2022 | 0.00K |
| Flood | Feb 28, 2021 | 0.00K |
| Flash Flood | Sep 25, 2018 | 0.00K |
| Flood | Feb 23, 2018 | 0.00K |
| Flood | Feb 22, 2018 | 0.00K |
| Flood | Apr 29, 2017 | 0.00K |
| Flash Flood | Apr 29, 2017 | 0.00K |
| Flood | Dec 27, 2015 | 0.00K |
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...
Flash Flood — Mar 3, 2023
On March 3rd, 2023, a historically strong low pressure system moved across the lower Ohio Valley, bringing heavy rainfall, severe weather, and most notably, very strong gradient winds as it moved across the region. On the synoptic scale, a shortwave upper-level trough located over the mid-Mississippi Valley became negatively tilted during the morning hours of March 3rd. A 120 knot 500 mb jet de...
Flash Flood — Aug 6, 2022
During the afternoon and evening hours of August 6th, showers and thunderstorms developed across southern Indiana in the presence of sufficient instability. Ample moisture was present across the region, with surface dewpoints in the low-to-mid 70s and precipitable water values approaching 2 inches. The scattered clusters of showers and thunderstorms which developed moved very slowly thanks to w...
Flood — Feb 28, 2021
A stalled frontal boundary brought several rounds of rainfall to southern Indiana from February 26 through February 28. As a result, a road had to be closed due to high water.
Flash Flood — Sep 25, 2018
On September 25th a saturated air mass was in place ahead of an advancing cold front, with precipitable water values near two inches. With this air mass and shear ahead of the cold front, convective showers formed over southern Indiana and advanced east along Interstate 65 causing flooding issues in the system's path.
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 Floyd 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 Floyd 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.