Enter any address in Miami County, Indiana to see its FEMA flood zone
Flash flooding from heavy rainfall events is the dominant flood character in Miami County. Between 2010 and 2023, NOAA Storm Events data recorded 13 flash flood events and 8 flood events. For example, on June 15, 2015, several rounds of rainfall brought widespread flooding after three to five inches of rain fell over saturated ground. Another event on June 27, 2015, saw between three and six inches of rain in a 24-hour period due to an unseasonably strong low-pressure system.
National Flood Insurance Program (NFIP) claims data indicates that properties in Zone A have experienced the most claims, with an average payout of $8,327 and an average water depth of 8.6 feet. Properties in Zone X also have a history of claims, though with lower average payouts and water depths. Residents in Zone A, and those in other flood zones with documented claims and water intrusion, should pay the most attention to flood risk.
Summary generated from NOAA storm narratives and NFIP claim data for this county. Not predictive.
1 NOAA storm reports from this county describe what happened, in the words of the meteorologists who were there.
Miami County, Indiana has recorded 21 flood-related events since 1996 according to NOAA's Storm Events Database, including 13 flash floods and 8 river or area floods. The county has received 14 federal disaster declarations, 1 of which involved flooding or coastal storms. Enter any address above to check its FEMA flood zone designation.
FEMA Disaster Declarations (1990–2026)
Source: OpenFEMA Disaster Declarations Summaries.
| Declaration | Type | Date |
|---|---|---|
| Severe Winter Storm | Winter Storm | Jan 23, 2026 |
| Covid-19 | Biological | Jan 20, 2020 |
| Covid-19 Pandemic | Biological | Jan 20, 2020 |
| Snow | Snowstorm | Feb 12, 2007 |
| Hurricane Katrina Evacuation | Hurricane | Aug 29, 2005 |
| Severe Winter Storms And Flooding | Severe Storm | Jan 1, 2005 |
| Severe Storms, Tornadoes, And Flooding | Severe Storm | May 25, 2004 |
| Severe Storms, Tornadoes, And Flooding | Severe Storm | Jul 4, 2003 |
| Snow | Snowstorm | Dec 11, 2000 |
| Winter Storm 12/23/98 | Snowstorm | Jan 1, 1999 |
NOAA Storm Events Database (1996–2025)
Source: NOAA National Weather Service Storm Events Database.
| Type | Date | Damage |
|---|---|---|
| Flood | Jun 27, 2015 | 0.00K |
| Flash Flood | Jun 15, 2015 | 0.00K |
| Flood | Jun 15, 2015 | 0.00K |
| Flash Flood | Jun 21, 2010 | 0.00K |
| Flash Flood | Jun 13, 2004 | — |
| Flash Flood | Jul 8, 2003 | — |
| Flash Flood | Jul 6, 2003 | — |
| Flash Flood | Jul 5, 2003 | — |
| Flash Flood | Jul 5, 2003 | 200K |
| Flash Flood | Jul 4, 2003 | — |
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.
Flash Flood — Jul 4, 1998
Synoptic and mesoscale conditions for July 4th...A cold front moved into southern Michigan and northern Indiana early in the morning on July 4th. Severe thunderstorms developed along this front over the southern part of lake Michigan and quickly transformed into a bow echo as the system raced southeastward at 50 mph. Most unstable parcel Cape values exceeded 2500 J/kg. Deep layer shear was i...
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 Miami 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 Miami 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.