Enter any address in Spencer County, Indiana to see its FEMA flood zone
Flash flooding from heavy rainfall is a significant concern in Spencer County, Indiana. Between 1996 and 2026, NOAA Storm Events data recorded 57 flood events and 32 flash flood events in the county. For example, heavy rainfall caused flash flooding of streets, creeks, and low-lying areas on February 16, 2025, with rainfall totals of 2-5 inches reported. Torrential rainfall rates also led to flooding on July 19, 2025, across Southwest Indiana.
National Flood Insurance Program (NFIP) claims data indicates that properties in Zone A have experienced the most frequent claims, with an average payout of $10,215 and an average water depth of 4.0 feet. While Zone X properties have also seen claims, the average water depth was considerably lower at 0.7 feet. However, a small number of claims in Zone X_SHADED reported an unusually high average water depth of 19.5 feet. Homeowners in Zone A, as well as those in Zone X_SHADED, should pay particular attention to flood risk.
Summary generated from NOAA storm narratives and NFIP claim data for this county. Not predictive.
22 NOAA storm reports from this county describe what happened, in the words of the meteorologists who were there.
Spencer County, Indiana has recorded 89 flood-related events since 1996 according to NOAA's Storm Events Database, including 32 flash floods and 57 river or area floods. The county has received 15 federal disaster declarations, 4 of which involved flooding or coastal storms. Enter any address above to check its FEMA flood zone designation.
FEMA Disaster Declarations (1979–2026)
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 |
| Severe Storms And Flooding | Flood | Feb 14, 2018 |
| Severe Storms, Tornadoes, Straight-line Winds, And | Severe Storm | Apr 19, 2011 |
| Severe Winter Storm | Severe Storm | Jan 26, 2009 |
| Severe Storms And Flooding | Severe Storm | Sep 12, 2008 |
| Hurricane Katrina Evacuation | Hurricane | Aug 29, 2005 |
| Snow | Snowstorm | Dec 21, 2004 |
| Severe Storms, Tornadoes And Flooding | Severe Storm | Jul 3, 2004 |
NOAA Storm Events Database (1996–2025)
Source: NOAA National Weather Service Storm Events Database.
| Type | Date | Damage |
|---|---|---|
| Flood | Jul 19, 2025 | 5.00K |
| Flash Flood | Jul 19, 2025 | 5.00K |
| Flash Flood | Jul 19, 2025 | 10.00K |
| Flood | Feb 16, 2025 | 0.00K |
| Flood | Oct 7, 2025 | 0.00K |
| Flash Flood | Jun 29, 2023 | 0.00K |
| Flash Flood | Aug 4, 2022 | 10.00K |
| Flash Flood | Aug 19, 2021 | 0.00K |
| Flood | Feb 15, 2020 | 0.00K |
| Flood | Aug 14, 2020 | 0.00K |
Flood — Jul 19, 2025
As high pressure slowly crept northward towards the Quad State region, ridging remained over the middle Mississippi River Valley. A slow-moving MCS moved through the northeastern half of the Quad State midday to near sunset. CAPE rose to 1000-2000J/kg in Southwest Indiana with effective bulk shear around 30kts. Extremely high moisture content with precipitable water values of 2.25in resulted in...
Flash Flood — Jul 19, 2025
As high pressure slowly crept northward towards the Quad State region, ridging remained over the middle Mississippi River Valley. A slow-moving MCS moved through the northeastern half of the Quad State midday to near sunset. CAPE rose to 1000-2000J/kg in Southwest Indiana with effective bulk shear around 30kts. Extremely high moisture content with precipitable water values of 2.25in resulted in...
Flood — Feb 16, 2025
Two waves of heavy rainfall (2-7) over the Ohio, Tennessee, and Green River Valleys on the 15th resulted in minor flooding along portions of the Ohio River, including the Evansville and Henderson areas. Minor and brief moderate flooding occurred along the Ohio River near Owensboro where the river crested at 44.1 feet just above the moderate flood level of 44 feet.
Flood — Feb 16, 2025
An area of heavy rainfall spread northeast across southwest Indiana from late afternoon on the 15th through the evening and into the early morning hours on the 16th. Total rainfall of 2-5 was reported across the region with the highest amounts from Vanderburgh through Spencer counties. Flash flooding of streets, creeks, and low-lying areas from the Angel Mounds area in southeast Evansville eas...
Flood — Oct 7, 2025
Low pressure centered over SEMO slowly drifted eastward into the day. Tropical moisture streamed northeastward into the Quad State early morning on the 7th pushing dew points into the upper 60s to near 70 and precipitable water values of up to 1.75-2. Instability and shear were limited during the morning, preventing any severe thunderstorm development. An extended cold front from Quebec to Texa...
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 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. 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.