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Kosciusko County, Indiana Flood Zones

Check an Address in Kosciusko County

Enter any address in Kosciusko County, Indiana to see its FEMA flood zone

Read First-Hand Flood Stories from Kosciusko County

8 NOAA storm reports from this county describe what happened, in the words of the meteorologists who were there.

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Flood Risk Data for Kosciusko County

Kosciusko County, Indiana has recorded 14 flood-related events since 1996 according to NOAA's Storm Events Database, including 8 flash floods and 6 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.

Kosciusko County Disaster History

FEMA Disaster Declarations (1974–2026)

Disaster Declarations
17
Flood/Coastal Disasters
2
Latest Disaster
Severe Winter Storm (2026-01-23)

Source: OpenFEMA Disaster Declarations Summaries.

Recent Disaster Declarations in Kosciusko County

DeclarationTypeDate
Severe Winter StormWinter StormJan 23, 2026
Covid-19BiologicalJan 20, 2020
Covid-19 PandemicBiologicalJan 20, 2020
Severe Storms And FloodingFloodFeb 14, 2018
Severe Winter Storm And SnowstormSevere StormJan 5, 2014
Severe Storms, Tornadoes, And FloodingSevere StormMar 8, 2009
Severe Storms And FloodingSevere StormJan 7, 2008
SnowSnowstormFeb 12, 2007
Hurricane Katrina EvacuationHurricaneAug 29, 2005
Severe Winter Storms And FloodingSevere StormJan 1, 2005

Recorded Flood Events in Kosciusko County

NOAA Storm Events Database (1996–2025)

Total Flood Events
14
River/Area Floods
6
Flash Floods
8
Total Property Damage
$382,000

Source: NOAA National Weather Service Storm Events Database.

Recent Flood Events in Kosciusko County

TypeDateDamage
FloodApr 2, 20251.00K
FloodFeb 21, 201856.00K
Flash FloodJul 7, 20170.00K
Flash FloodNov 5, 20170.00K
FloodJul 18, 20150.00K
Flash FloodJul 13, 20150.00K
FloodApr 18, 20130.00K
Flash FloodAug 2, 20130.00K
Flash FloodJun 1, 20130.00K
Flash FloodAug 17, 20090.00K

Kosciusko County Flood History

Flood — Apr 2, 2025

The atmosphere was primed for severe weather during the afternoon and evening hours of April 2nd. 0-1 km SRH values of 300 to 500 m2/s2, 60 to 70 kts of shear and MLCAPE of around 1000 J/KG set the stage for numerous thunderstorms. Damage reports were not as widespread, but those that occurred tended to be in swaths related to cold pools from bowing segments or tornadoes. Eight tornadoes (thre...

Flood — Feb 21, 2018

A slow release of a snow pack, containing one to over two inches of water, occurred in the days leading to the event which started the process of river rises in many areas. Low pressure tracked from northwest Iowa into northern Lower Michigan, which ushered in a rapid warmup and equally rapid release of any remaining water in the snow-pack. Several rounds of rain occurred between the 19th and 2...

Flash Flood — Jul 7, 2017

An area of convergence, combined with 35 to 40 knots of shear, over 2000 J/KG of CAPE and plenty of moisture all set the stage for thunderstorms to develop over southern Lake Michigan and work southeast. Pockets of wind damage were reported, along with some hail and flooding due to already wet conditions.

Flash Flood — Nov 5, 2017

Warm front provided the focus for morning thunderstorms that eventually turned into a bowing segment across NE IN into NW Ohio. Storms also developed across central Indiana and moved into portions of NE IN and NW Ohio. A cyclic supercell impacted Blackford and Jay county with a long tracked tornado and damage along its track. Flooding issues also occurred in some areas due to training and effic...

Flood — Jul 18, 2015

Weak shortwave trough moving through upper Michigan combined with retreating outflow boundary from morning/early afternoon storms, which moved through northern Indiana/northwest Ohio, spurned new storm development from southern Wisconsin southeast through northeast Illinois by later afternoon. Storms were initially sub-severe and disorganized, but two main bowing segments, one along and north o...

Source: NOAA National Weather Service Storm Events Database.

Kosciusko County NFIP Flood Insurance Claims

Total Claims Filed
315
Total Paid Out
$3.5M
Avg Claim
$13,945
Avg Water Depth
4.2 ft

Claims by Flood Zone

A Zones (High Risk)
207
X Shaded (500-yr)
1
X Unshaded (Low)
29

Source: OpenFEMA NFIP Individual Claims (2.25M records analyzed).

Flood Zone Types in Kosciusko County

FEMA assigns flood zone designations to areas in Kosciusko 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.

View all flood zone types →

Flood Insurance in Kosciusko County

Properties in Kosciusko 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.