Enter any address in Union County, Indiana to see its FEMA flood zone
Flash flooding from thunderstorms is the dominant flood character in Union County, Indiana. Over the past 30 years, NOAA data shows 27 flood events and 22 flash flood events. Recent examples include flash flooding on July 29, 2024, attributed to an upper-level disturbance, and flooding on March 3, 2023, associated with a strong low-pressure system.
FEMA's National Flood Insurance Program data indicates that properties in Zone A, which typically do not have a Base Flood Elevation (BFE) established, have experienced claims. These claims averaged $12,414 with an average water depth of 10.0 feet. Homeowners in areas prone to flash flooding, particularly those near waterways or in zones without a BFE, should pay the most attention to flood risk.
Summary generated from NOAA storm narratives and NFIP claim data for this county. Not predictive.
Union County, Indiana has recorded 49 flood-related events since 1996 according to NOAA's Storm Events Database, including 22 flash floods and 27 river or area floods. The county has received 15 federal disaster declarations, 1 of which involved flooding or coastal storms. Enter any address above to check its FEMA flood zone designation.
FEMA Disaster Declarations (1991–2026)
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 | Severe Storm | Sep 12, 2008 |
| 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 |
| Severe Storms, Tornadoes, And Flooding | Severe Storm | May 25, 2004 |
| Severe Storms, Tornadoes, And Flooding | Severe Storm | Jul 4, 2003 |
NOAA Storm Events Database (1996–2025)
Source: NOAA National Weather Service Storm Events Database.
| Type | Date | Damage |
|---|---|---|
| Flash Flood | Jul 29, 2024 | 0.00K |
| Flood | Mar 3, 2023 | 0.00K |
| Flood | Jun 3, 2021 | 0.00K |
| Flash Flood | Mar 20, 2020 | 0.00K |
| Flood | Feb 7, 2019 | 0.00K |
| Flash Flood | Feb 7, 2019 | 0.00K |
| Flood | Dec 31, 2018 | 0.00K |
| Flash Flood | Apr 3, 2018 | 0.00K |
| Flash Flood | Apr 3, 2018 | 20.00K |
| Flash Flood | Jun 26, 2015 | 0.00K |
Flash Flood — Jul 29, 2024
An upper level disturbance moving southeast across the region produced showers and thunderstorms during the evening hours.
Flood — Mar 3, 2023
Showers and scattered thunderstorms developed during the afternoon hours ahead of a strong low pressure system moving through the Ohio Valley.
Flood — Jun 3, 2021
Showers and thunderstorms developed during the afternoon hours across the Ohio Valley ahead of an upper level low pressure system moving through the region.
Flash Flood — Mar 20, 2020
Showers and thunderstorms developed through the early morning hours as a low pressure system moved through the Ohio Valley. Some of the storms produced locally heavy rainfall amounts of 2 to 3 inches.
Flood — Feb 7, 2019
Several waves of low pressure moved along a stalled front, bringing a prolonged period of heavy rain.
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 Union 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 Union 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.