Enter any address in Morgan County, Indiana to see its FEMA flood zone
Flash flooding from intense rainfall events is the primary flood hazard in Morgan County. Over the past 30 years, NOAA data shows 60 flood events and 29 flash flood events, resulting in two reported fatalities. Recent examples include a flash flood event on July 28, 2024, fueled by localized torrential downpours southwest of Indianapolis, and a flash flood event on April 4, 2025, which exacerbated existing river flooding after several days of heavy rain.
National Flood Insurance Program (NFIP) claims data indicates that properties in Zone A, which typically represents areas of 1% annual flood chance, have experienced the most claims. However, properties in Zone X_SHADED, a moderate flood risk area, have seen the highest average payouts and water depths, suggesting significant flood damage can occur even in areas not designated as high-risk. Homeowners in Zone A, as well as those in Zone X_SHADED and near creeks and rivers, should pay close attention to flood risk.
Summary generated from NOAA storm narratives and NFIP claim data for this county. Not predictive.
30 NOAA storm reports from this county describe what happened, in the words of the meteorologists who were there.
Morgan County, Indiana has recorded 89 flood-related events since 1996 according to NOAA's Storm Events Database, including 29 flash floods and 60 river or area floods. The county has received 18 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 (1990–2026)
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 |
| 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 Winter Storm And Snowstorm | Severe Storm | Jan 5, 2014 |
| 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 |
NOAA Storm Events Database (1996–2025)
Source: NOAA National Weather Service Storm Events Database.
| Type | Date | Damage |
|---|---|---|
| Flood | Apr 5, 2025 | 0.00K (1 deaths) |
| Flash Flood | Apr 4, 2025 | 0.00K |
| Flash Flood | Jul 28, 2024 | 2.00K |
| Flash Flood | Jun 19, 2021 | 100.00K |
| Flood | Feb 7, 2019 | 0.50K |
| Flash Flood | Apr 3, 2018 | 50.00K |
| Flood | Apr 3, 2018 | 0.25K |
| Flash Flood | Apr 3, 2018 | 5.00K |
| Flash Flood | Jul 11, 2017 | 0.25K |
| Flood | Jul 11, 2017 | 0.75K |
Flood — Apr 5, 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 — 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 — Jul 28, 2024
Warm and humid conditions with dewpoints in the low 70s fueled an early evening cluster of thunderstorms southwest of Indianapolis. A moist profile promoted efficient rainfall production, with resultant bands of torrential downpours training from northeast of Gosport into far west-central Morgan County.
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...
Flood — Feb 7, 2019
A low pressure system moved into the forecast area bringing plentiful moisture and produced thunderstorms and waves of moderate to heavy rain to central Indiana around February 7th. The storms produced a tornado in a strong shear and low instability environment. Over 4 inches of rain fell in a couple of days in some areas. The heavy rain produced flash flooding, and extensive flooding developed...
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 Morgan 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 Morgan 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.