33 flood insurance claims·$601,177 paid·2 federal flood & hurricane disasters
Share of the whole county outline, rivers and lakes included; parts FEMA hasn’t mapped count as zero.
Shaded areas are FEMA’s mapped flood hazard zones in and around Henry County, Indiana. Zoomed out they are simplified; at street level the map switches to FEMA’s exact layer. Tap anywhere to check that spot, or search an address above.
Henry County experiences a balanced mix of standard river flooding and flash flooding driven by heavy seasonal rainfall. Over the last 30 years, the NOAA Storm Events Database has recorded 14 flood events and 13 flash flood events, resulting in one death.
Intense storms frequently drive these hazards. For example, a slow-moving band of showers and thunderstorms on May 24, 2017, dropped 2 to 4 inches of rain, causing flooding in Henry and Delaware counties. More recently, a multi-day weather pattern on April 4, 2025, brought cumulative rainfall totals of 5 to 9.5 inches across central Indiana, driving main stem rivers to major flood stages alongside widespread flash flooding.
NFIP claim data demonstrates that properties in designated high-risk areas bear the brunt of these impacts. Zone A properties account for 24 claims with an average payout of $30,028 and an average recorded water depth of 13 inches. Meanwhile, Zone X properties experienced 9 claims averaging a $17,247 payout with an average recorded water depth of 4 inches. Homeowners, real estate agents, and journalists should pay the closest attention to properties located within Zone A, where historical flood claims and water depths are substantially higher.
Summary written from NOAA storm reports and NFIP claims for this county. Not a prediction.
Less than 1% of Henry County’s flood insurance claims were on properties rated outside FEMA’s high-risk zones.
24 NFIP claims with a recorded rated flood zone, 1978 to date. The zone is the one FEMA used to rate that policy, which may not match today’s map. Source: OpenFEMA NFIP claims.
In flood insurance claims here that reported a flood depth, the average was 9 inches.
Drawn to scale against an 80-inch door. Even a few inches soaks flooring, the bottom of the drywall and anything plugged in near the floor.
Average of the depths reported on claims (zero and implausible values left out); FEMA’s record doesn’t say exactly where each depth was measured. Source: OpenFEMA NFIP claims.
The worst year was 2026, with 17 claims and $501,847 paid.
Bar height is scaled by square root so ordinary years stay visible next to the worst one. NFIP claims by year of loss. Source: OpenFEMA.
4 NOAA storm reports from Henry County describe what happened, in the words of the forecasters who covered it. Read the Indiana flood stories →
18 federal disaster declarations since 1974, 2 of them floods, coastal storms or hurricanes.
| Disaster | Began |
|---|---|
| Severe Winter Storm | Jan 23, 2026 |
| Severe Storms, Flooding, And Tornadoes | May 30, 2008 |
| Snow | Feb 12, 2007 |
| Hurricane Katrina Evacuation | Aug 29, 2005 |
| Severe Winter Storms And Flooding | Jan 1, 2005 |
| Snow | Dec 21, 2004 |
| Severe Storms, Tornadoes, And Flooding | May 25, 2004 |
| Severe Storms, Tornadoes, And Flooding | Aug 26, 2003 |
Weather and water disasters only; most recent first. Source: OpenFEMA Disaster Declarations.
27 since 1996: 13 flash floods and 14 river or area floods.
| Event | Date | Damage |
|---|---|---|
| Flash Flood | Apr 4, 2025 | $50,000 |
| Flash Flood | Aug 1, 2024 | $5,000 |
| Flood | May 24, 2017 | $1,000 |
| Flash Flood | May 24, 2017 | $3,000 |
| Flash Flood | Aug 28, 2016 | $500 |
| Flood | Jul 13, 2010 | $10,000 |
| Flash Flood | Jun 9, 2008 | $50,000 |
| Flash Flood | Jan 8, 2008 | $10,000 |
— = no damage estimate in the record. Source: NOAA Storm Events Database.
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 · Aug 1, 2024. A remnant southwest to northeast boundary from early morning convection combined with an approaching upper trough and associated cold front, as well as anomalous precipitable water values up to 2.00 inches and CAPE around 2000 J/kg. Resultant thunderstorms came in two phases, first a marginally severe bow echo that crossed far southwestern central Indiana, and then torrential, training downpours from northern por…
Flood · May 24, 2017. A slow-moving band of showers and thunderstorms moved across eastern areas of central Indiana. Some locations saw upwards of 2 to 4 inches of rain. This led to flooding and flash flooding in portions of the Henry and Delaware County areas.
Flash Flood · May 24, 2017. A slow-moving band of showers and thunderstorms moved across eastern areas of central Indiana. Some locations saw upwards of 2 to 4 inches of rain. This led to flooding and flash flooding in portions of the Henry and Delaware County areas.
National Weather Service narratives, lightly trimmed. Source: NOAA Storm Events Database.
Every colour on the map above is a place on this drawing: where the ground sits relative to the flood FEMA plans for.
If a building in Henry County is in a high-risk zone (A or V) and its mortgage comes from a federally regulated or insured lender, or is federally backed, flood insurance is required.
Outside those zones it is optional, and often worth having: from 2014 to 2024 nearly one-third of NFIP claims came from outside the high-risk Special Flood Hazard Area. Since Risk Rating 2.0, NFIP premiums are set for each building, so the only reliable price is a quote: FloodSmart.gov or a local agent.