Enter any address in Montgomery County, Indiana to see its FEMA flood zone
Flood and flash flood events have occurred in Montgomery County, IN over the past 30 years. A notable flood event happened in December 2021, associated with a rapidly intensifying storm system that produced strong winds and high dewpoints. In June 2019, flash flooding and damaging winds toppled trees, blocking roads and damaging property.
National Flood Insurance Program (NFIP) claims data shows that properties in Zone A have experienced the most claims, with an average payout of $18,721 and an average water depth of 5.4 feet. Properties in Zone X and Zone X_Unshaded also have claims, though with lower average payouts and water depths.
Homeowners in Zone A, as well as those in lower-risk zones who have experienced flooding, should pay close attention to flood risk.
Summary generated from NOAA storm narratives and NFIP claim data for this county. Not predictive.
8 NOAA storm reports from this county describe what happened, in the words of the meteorologists who were there.
Montgomery County, Indiana has recorded 42 flood-related events since 1996 according to NOAA's Storm Events Database, including 20 flash floods and 22 river or area floods. The county has received 21 federal disaster declarations, 3 of which involved flooding or coastal storms. Enter any address above to check its FEMA flood zone designation.
FEMA Disaster Declarations (1965–2026)
Source: OpenFEMA Disaster Declarations Summaries.
| Declaration | Type | Date |
|---|---|---|
| Severe Winter Storm | Winter Storm | Jan 23, 2026 |
| Severe Storms, Straight-line Winds, Tornadoes, And Flooding | Flood | Mar 30, 2025 |
| Covid-19 | Biological | Jan 20, 2020 |
| Covid-19 Pandemic | Biological | Jan 20, 2020 |
| Severe Winter Storm And Snowstorm | Severe Storm | Jan 5, 2014 |
| Severe Storms, Flooding, And Tornadoes | Severe Storm | May 30, 2008 |
| 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 |
NOAA Storm Events Database (1996–2025)
Source: NOAA National Weather Service Storm Events Database.
| Type | Date | Damage |
|---|---|---|
| Flood | Dec 11, 2021 | 0.00K |
| Flood | Jun 5, 2019 | 1.00K |
| Flash Flood | Jun 5, 2019 | 1.00K |
| Flood | Sep 25, 2018 | 5.00K |
| Flood | May 1, 2016 | 0.50K |
| Flood | Aug 23, 2014 | 1.00K |
| Flood | Apr 19, 2013 | 5.00K |
| Flood | Feb 11, 2009 | 0.00K |
| Flash Flood | May 30, 2008 | 5.00K |
| Flash Flood | Jun 4, 2008 | 2.00K |
Flood — Dec 11, 2021
A rapidly intensifying storm system tracking northeastward through the Quad Cities area produced strong low-level southerly flow over central Indiana, including a low level jet (LLJ) of 70 mph at the 850 mb level, during the evening and overnight of the 10th. These winds near the surface brought unseasonably high dewpoints as high as the low to mid 60s that destabilized the atmosphere, while t...
Flood — Jun 5, 2019
Several places saw damaging winds topple trees into roads, cars, and a house. The storms started to develop over White and Benton counties with a general motion to the south east. By the time the storms reached Tippecanoe county they had strengthened enough to become severe. Several trees fell over onto yards and cars.
Flash Flood — Jun 5, 2019
Several places saw damaging winds topple trees into roads, cars, and a house. The storms started to develop over White and Benton counties with a general motion to the south east. By the time the storms reached Tippecanoe county they had strengthened enough to become severe. Several trees fell over onto yards and cars.
Flood — Sep 25, 2018
A couple different waves of showers and thunderstorms moved northeast during the early morning and late morning/early afternoon of September the 25th. This multiple rounds of rain produced flooding to the northwest of Indianapolis.
Flood — May 1, 2016
An area of low pressure moved along a cold front, bringing thunderstorms to portions of central Indiana. These storms produced a tornado, along with large hail and downed trees and power lines.
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 Montgomery 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 Montgomery 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.