Enter any address in Tipton County, Indiana to see its FEMA flood zone
River overflow from heavy rainfall events characterizes flooding in Tipton County. Recent events include flooding in the town of Windfall following heavy rain on September 8th, 2020, and widespread stream and river flooding in April 2013 due to intense thunderstorms that dropped up to 5 inches of rain in 24 hours.
National Flood Insurance Program data shows that properties in Zone A have experienced the most claims, with an average payout of $15,650 and an average water depth of 5.6 feet. Properties in Zone X have also seen claims, with a higher average payout of $23,127, though with a lower average water depth of 2.7 feet. Homeowners in Zone A, as well as those in areas prone to heavy rainfall and river overflow, should pay the most attention to flood risk.
Summary generated from NOAA storm narratives and NFIP claim data for this county. Not predictive.
2 NOAA storm reports from this county describe what happened, in the words of the meteorologists who were there.
Tipton County, Indiana has recorded 22 flood-related events since 1996 according to NOAA's Storm Events Database, including 7 flash floods and 15 river or area floods. The county has received 15 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 |
| Covid-19 | Biological | Jan 20, 2020 |
| Covid-19 Pandemic | Biological | Jan 20, 2020 |
| Severe Winter Storm And Snowstorm | Severe Storm | Jan 5, 2014 |
| 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 |
| Severe Storms, Tornadoes, And Flooding | Severe Storm | Jul 4, 2003 |
| Severe Storms And Tornadoes | Severe Storm | Sep 20, 2002 |
NOAA Storm Events Database (1996–2025)
Source: NOAA National Weather Service Storm Events Database.
| Type | Date | Damage |
|---|---|---|
| Flood | Sep 7, 2020 | 10.00K |
| Flood | May 27, 2013 | 1.00K |
| Flood | Apr 19, 2013 | 1.00K |
| Flood | Apr 18, 2013 | 0.50K |
| Flash Flood | Jun 10, 2013 | 0.50K |
| Flash Flood | Jun 10, 2013 | 1.00K |
| Flood | Apr 30, 2012 | 0.50K |
| Flood | Sep 7, 2012 | 1.00K |
| Flood | Aug 4, 2012 | 0.50K |
| Flash Flood | May 31, 2010 | 1.00K |
Flood — Sep 7, 2020
An isolated strong storm produced large hail across Tippecanoe county during the evening hours of September 8th. A frontal boundary was located north of the forecast area and a thunderstorm formed as a result of afternoon heating. This storm rapidly grew in height before briefly producing hail up to golf balls. The night before, a complex of storms moved over north central Indiana which broug...
Flood — May 27, 2013
Isolated thunderstorms on the afternoon of the 27th developed in the vicinity of a warm front over northern portions of central Indiana. Gusty winds associated with one of the storms as it moved across Madison County took down trees, power poles and power lines. The town of Elwood was impacted.
Flood — Apr 19, 2013
Thunderstorms brought heavy rain to much of central Indiana on April 18th and early on April 19th. Some areas of central Indiana received around 5 inches of rain in 24 hours. This was on top of heavy rain from previous days. The result was flooding of numerous streams and rivers, some of which reached record levels.
Flood — Apr 18, 2013
Thunderstorms brought heavy rain to much of central Indiana on April 18th and early on April 19th. Some areas of central Indiana received around 5 inches of rain in 24 hours. This was on top of heavy rain from previous days. The result was flooding of numerous streams and rivers, some of which reached record levels.
Flash Flood — Jun 10, 2013
A wide area of showers and thunderstorms moved over portions of central Indiana during the late evening of the 9th and the early evening of the 10th. Moderate to heavy rainfall trained over locations north of Indianapolis producing a few areas of flash flooding.
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 Tipton 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 Tipton 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.