31 flood insurance claims·$196,464 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 Miami 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 Miami County, Indiana, accounting for 13 of the 21 recorded flood events over the last 30 years, with general floods making up the remaining 8 events. Heavy seasonal rainfall drives these incidents, as demonstrated on June 15, 2015, when three to five inches of rain fell over a couple of days onto already saturated ground, causing extended runoff and flooding issues. Another heavy rain event occurred on June 27, 2015, when an unseasonably strong area of low pressure brought three to six inches of rain in a 24-hour period.
National Flood Insurance Program claims data indicates that property damage occurs across multiple zones. Zone A leads with 20 claims averaging an 11,278 dollar payout with an average recorded water depth of 12 inches. Zone X properties have also experienced losses, recording 7 claims with an average payout of 10,655 dollars and an average recorded water depth of 15 inches, alongside minor activity in unknown and shaded or unshaded Zone X categories.
Homeowners and real estate professionals handling properties in designated Zone A and Zone X should pay the closest attention to flood risks, given that both areas have generated documented insurance claims and significant average water depths from heavy rainfall events.
Summary written from NOAA storm reports and NFIP claims for this county. Not a prediction.
9% of Miami County’s flood insurance claims were on properties rated outside FEMA’s high-risk zones.
22 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 12 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 2013, with 9 claims and $146,269 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.
1 NOAA storm reports from Miami County describe what happened, in the words of the forecasters who covered it. Read the Indiana flood stories →
14 federal disaster declarations since 1990, 1 of them floods, coastal storms or hurricanes.
| Disaster | Began |
|---|---|
| Severe Winter Storm | Jan 23, 2026 |
| 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 |
| Severe Storms, Tornadoes, And Flooding | Jul 4, 2003 |
| Snow | Dec 11, 2000 |
| Winter Storm 12/23/98 | Jan 1, 1999 |
Weather and water disasters only; most recent first. Source: OpenFEMA Disaster Declarations.
21 since 1996: 13 flash floods and 8 river or area floods.
| Event | Date | Damage |
|---|---|---|
| Flood | Jun 27, 2015 | — |
| Flash Flood | Jun 15, 2015 | — |
| Flood | Jun 15, 2015 | — |
| Flash Flood | Jun 21, 2010 | — |
| Flash Flood | Jun 13, 2004 | — |
| Flash Flood | Jul 8, 2003 | — |
| Flash Flood | Jul 6, 2003 | — |
| Flash Flood | Jul 5, 2003 | — |
— = no damage estimate in the record. Source: NOAA Storm Events Database.
Flood · Jun 27, 2015. An unseasonably strong area of low pressure moved through the Ohio Valley on June 26-27 which brought moderate to heavy rain to the area. Between 3 and 6 inches of rain fell in a 24 hour period.
Flash 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.
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 · Jun 21, 2010. A stationary boundary and abundant moisture allowed for thunderstorms to develop. The main threat was heavy rainfall from the stronger storms, which caused flooding in some 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 Miami 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.