111 flood insurance claims·$1.1M paid·1 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 Huntington 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.
Flash flooding from summer thunderstorms dominates the flood profile of Huntington County, IN. Over the last 30 years, NOAA records show 17 flash flood events compared to 7 standard flood events. Heavy rainfall during these weather patterns frequently creates primary threats of flash flooding, as seen during severe storms in July 2015.
National Flood Insurance Program records indicate that historical claims span multiple zones, with the highest concentration occurring in high-risk areas. Zone A accounts for 55 claims with an average payout of $14,547 and an average recorded water depth of 19 inches. Moderate-to-low risk areas also experience impacts; Zone X recorded 29 claims averaging $19,372 with an average water depth of 7 inches, shaded Zone X recorded 11 claims averaging $7,062 with an average water depth of 13 inches, and unshaded Zone X recorded 11 claims averaging $6,997 with an average water depth of 18 inches. Additionally, 5 claims were filed under an unknown zone with an average payout of $1,391 and an average water depth of 2 inches.
Homeowners, real estate agents, and journalists should pay the closest attention to properties located in Zone A and moderate-risk Zone X areas where both claim counts and average water depths are significant.
Summary written from NOAA storm reports and NFIP claims for this county. Not a prediction.
29% of Huntington County’s flood insurance claims were on properties rated outside FEMA’s high-risk zones.
77 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 15 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 2015, with 30 claims and $374,369 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 Huntington County describe what happened, in the words of the forecasters who covered it. Read the Indiana flood stories →
15 federal disaster declarations since 1974, 1 of them floods, coastal storms or hurricanes.
| Disaster | Began |
|---|---|
| Severe Winter Storm | Jan 23, 2026 |
| Severe Winter Storm And Snowstorm | Jan 5, 2014 |
| Severe Storms, Flooding, And Tornadoes | May 30, 2008 |
| Severe Storms And Flooding | Jan 7, 2008 |
| Snow | Feb 12, 2007 |
| Hurricane Katrina Evacuation | Aug 29, 2005 |
| Severe Winter Storms And Flooding | Jan 1, 2005 |
| Severe Storms, Tornadoes, And Flooding | May 25, 2004 |
Weather and water disasters only; most recent first. Source: OpenFEMA Disaster Declarations.
24 since 1996: 17 flash floods and 7 river or area floods.
| Event | Date | Damage |
|---|---|---|
| Flash Flood | Jun 16, 2015 | — |
| Flood | Jun 15, 2015 | — |
| Flash Flood | Jul 14, 2015 | — |
| Flash Flood | Jun 13, 2015 | — |
| Flood | Jun 13, 2015 | — |
| Flash Flood | Jul 13, 2015 | — |
| Flash Flood | May 23, 2011 | — |
| Flood | May 14, 2011 | $250,000 |
— = no damage estimate in the record. Source: NOAA Storm Events Database.
Flash Flood · Jun 16, 2015. Several rounds of rainfall brought flooding to many counties during a couple day period. On average, three to five inches of rain fell, often in a few hours. This rainfall occurred over already saturated ground from recent rains over the past couple of weeks. This resulted in an extended period of runoff and flooding issues.
Flood · Jun 15, 2015. Several rounds of rainfall brought flooding to many counties during a couple day period. On average, three to five inches of rain fell, often in a few hours. This rainfall occurred over already saturated ground from recent rains over the past couple of weeks. This resulted in an extended period of runoff and flooding issues.
Flash Flood · Jul 14, 2015. A northward retreating outflow boundary from morning thunderstorms and eastward migration of upstream instability allowed for convection to fire later in the evening as the cap eroded and an upstream upper level trough approached the region. Storms initially produced isolated hail and wind damage, however heavy rainfall and flash flooding quickly became the primary threat.
Flash Flood · Jun 13, 2015. Storms initiated along a stationary front across northern Indiana. Moderate instability and weak shear led to a few wet downbursts which caused isolated wind damage. The greater threat became flooding as rainfall rates of 2 to 4 inches per hour became common.
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 Huntington 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.