Enter any address in Monroe County, Indiana to see its FEMA flood zone
Flash flooding from heavy rainfall events dominates flood occurrences in Monroe County. Recent events include significant rainfall leading to flash flooding in June 2025 and April 2025, with one instance in June 2021 resulting in a fatality due to floodwaters.
The National Flood Insurance Program (NFIP) data indicates that properties in Zone A have experienced the most claims, with an average payout of $40,341 and an average water depth of 3.2 feet. Zone X also shows a notable number of claims, averaging $23,959 in payouts and 2.8 feet of water depth. Homeowners in Zone A and Zone X, particularly those located near creeks and in lower-lying areas, should pay close attention to flood risk.
Summary generated from NOAA storm narratives and NFIP claim data for this county. Not predictive.
17 NOAA storm reports from this county describe what happened, in the words of the meteorologists who were there.
Monroe County, Indiana has recorded 50 flood-related events since 1996 according to NOAA's Storm Events Database, including 25 flash floods and 25 river or area floods. The county has received 16 federal disaster declarations, 2 of which involved flooding or coastal storms. Enter any address above to check its FEMA flood zone designation.
FEMA Disaster Declarations (1977–2026)
Source: OpenFEMA Disaster Declarations Summaries.
| Declaration | Type | Date |
|---|---|---|
| Severe Winter Storm | Winter Storm | Jan 23, 2026 |
| Severe Storms, Straight-line Winds, And Tornadoes | Severe Storm | Mar 31, 2023 |
| Covid-19 | Biological | Jan 20, 2020 |
| Covid-19 Pandemic | Biological | Jan 20, 2020 |
| Severe Storms, Tornadoes, Straight-line Winds, And | Severe Storm | Apr 19, 2011 |
| Severe Storms, Flooding, And Tornadoes | Severe Storm | May 30, 2008 |
| Hurricane Katrina Evacuation | Hurricane | Aug 29, 2005 |
| Severe Winter Storms And Flooding | Severe Storm | Jan 1, 2005 |
| Snow | Snowstorm | Dec 21, 2004 |
| Severe Storms, Tornadoes, And Flooding | Severe Storm | May 25, 2004 |
NOAA Storm Events Database (1996–2025)
Source: NOAA National Weather Service Storm Events Database.
| Type | Date | Damage |
|---|---|---|
| Flash Flood | Jun 29, 2025 | 100.00K |
| Flash Flood | Apr 4, 2025 | 100.00K |
| Flash Flood | Jun 19, 2021 | 2.00M |
| Flash Flood | Jun 18, 2021 | 25.00M (1 deaths) |
| Flash Flood | Jun 15, 2019 | 40.00K |
| Flash Flood | Jun 9, 2019 | 30.00K |
| Flash Flood | Feb 7, 2019 | 30.00K |
| Flood | May 5, 2017 | 35.00K |
| Flash Flood | Sep 8, 2016 | 7.00K |
| Flood | Jun 19, 2015 | 0.50K |
Flash Flood — Jun 29, 2025
A couple rounds of scattered heavy rains from late on the 28th through the morning of the 29th brought 1 to 2 inches of rainfall, to several areas from Bloomington into parts of Brown County and Lawrence County. Soon after, more impressive rainfall rates occurred over the same areas from the 29th evening into very early on the 30th, where an additional 3 to 6 inches of rainfall fell on a few l...
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 — Jun 19, 2021
A long lasting and multi faceted storm system moved through central Indiana beginning during the late afternoon hours of June 18th and continued through the evening hours with widespread damaging winds and very large hail before transitioning into a flash flooding event during the overnight hours with significant flash flooding occurring across portions of Owen and Monroe counties. Unfortunate...
Flash Flood — Jun 18, 2021
A long lasting and multi faceted storm system moved through central Indiana beginning during the late afternoon hours of June 18th and continued through the evening hours with widespread damaging winds and very large hail before transitioning into a flash flooding event during the overnight hours with significant flash flooding occurring across portions of Owen and Monroe counties. Unfortunate...
Flash Flood — Jun 15, 2019
A warm front brought severe storms, tornadoes, and heavy rain on June 15th. A significant tornado outbreak that was the largest since November 17, 2013 occurred during the evening of Saturday, June 15th. Seven tornadoes occurred in central Indiana with 3 additional tornadoes across portions of eastern Indiana.||This is what the environment showed. A weak shortwave trough was moving through cent...
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 Monroe 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 Monroe 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.