Enter any address in Spencer County, Indiana to see its FEMA flood zone
Source: OpenFEMA Disaster Declarations Summaries.
| Declaration | Type | Date |
|---|---|---|
| SEVERE WINTER STORM | Winter Storm | 2026-01-23 |
| COVID-19 PANDEMIC | Biological | 2020-01-20 |
| COVID-19 | Biological | 2020-01-20 |
| SEVERE STORMS AND FLOODING | Flood | 2018-02-14 |
| SEVERE STORMS, TORNADOES, STRAIGHT-LINE WINDS, AND | Severe Storm | 2011-04-19 |
| SEVERE WINTER STORM | Severe Storm | 2009-01-26 |
| SEVERE STORMS AND FLOODING | Severe Storm | 2008-09-12 |
| HURRICANE KATRINA EVACUATION | Hurricane | 2005-08-29 |
| SNOW | Snowstorm | 2004-12-21 |
| SEVERE STORMS, TORNADOES AND FLOODING | Severe Storm | 2004-07-03 |
FEMA assigns flood zone designations to areas in Spencer 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 Spencer 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. Over 20% of NFIP claims come from low and moderate-risk areas.
Visit FloodSmart.gov to find an agent and get a quote.