77 flood insurance claims·$641,582 paid·4 federal flood & hurricane disasters
Share of the whole county outline, rivers and lakes included; parts FEMA hasn’t mapped count as zero.
Shaded areas are FEMA’s mapped flood hazard zones in and around Warrick County, Indiana. Zoomed out they are simplified; at street level the map switches to FEMA’s exact layer. Tap anywhere to check that spot, or search an address above.
Standard river flooding dominates the flood character of Warrick County, backed by a significant secondary threat of flash flooding from severe storms over the last 30 years. NOAA records document multiple recent high-water events, including flash flooding that closed roads from the Angel Mounds area eastward through Newburgh on February 15, 2025, and training storm activity producing torrential rainfall rates in the Evansville and Newburgh area on July 18, 2025.
Federal insurance data shows that flood damage is not restricted to high-risk areas. Properties in Zone A account for the highest claim volume with 40 filings averaging $10,863 and an average recorded water depth of 13 inches. However, properties in Zone X also face meaningful risk, recording 20 claims with an average payout of $16,718 and an average recorded water depth of 20 inches. Unshaded Zone X properties filed 9 claims averaging $13,562 with an average water depth of 6 inches, while 6 claims in unknown zones averaged $2,043 with a 2-inch average depth, and 2 claims in shaded Zone X averaged $1,118 with 0 inches of recorded water depth.
Homeowners, real estate agents, and journalists should pay the closest attention to properties located within designated Zone A riverine floodplains, as well as moderate-to-low risk Zone X properties where lower-frequency storms have historically produced severe, costly water accumulation inside structures.
Summary written from NOAA storm reports and NFIP claims for this county. Not a prediction.
22% of Warrick County’s flood insurance claims were on properties rated outside FEMA’s high-risk zones.
51 NFIP claims with a recorded rated flood zone, 1978 to date. The zone is the one FEMA used to rate that policy, which may not match today’s map. Source: OpenFEMA NFIP claims.
In flood insurance claims here that reported a flood depth, the average was 11 inches.
Drawn to scale against an 80-inch door. Even a few inches soaks flooring, the bottom of the drywall and anything plugged in near the floor.
Average of the depths reported on claims (zero and implausible values left out); FEMA’s record doesn’t say exactly where each depth was measured. Source: OpenFEMA NFIP claims.
The worst year was 2006, with 8 claims and $132,751 paid, the year of Severe Storms and Flooding.
Bar height is scaled by square root so ordinary years stay visible next to the worst one. NFIP claims by year of loss. Source: OpenFEMA.
46 NOAA storm reports from Warrick County describe what happened, in the words of the forecasters who covered it. Read the Indiana flood stories →
20 federal disaster declarations since 1979, 4 of them floods, coastal storms or hurricanes.
| Disaster | Began |
|---|---|
| Severe Winter Storm | Jan 23, 2026 |
| Severe Storms, Straight-line Winds, Tornadoes, And Flooding | Mar 30, 2025 |
| Severe Storms And Flooding | Feb 14, 2018 |
| Severe Storms, Straight-line Winds, And Tornadoes | Feb 29, 2012 |
| Severe Storms, Tornadoes, Straight-line Winds, And | Apr 19, 2011 |
| Severe Winter Storm | Jan 26, 2009 |
| Severe Storms And Flooding | Sep 12, 2008 |
| Severe Storms And Flooding | Sep 12, 2006 |
Weather and water disasters only; most recent first. Source: OpenFEMA Disaster Declarations.
161 since 1996: 34 flash floods and 127 river or area floods.
| Event | Date | Damage |
|---|---|---|
| Flash Flood | Jul 19, 2025 | $10,000 |
| Flood | Jul 18, 2025 | — |
| Flash Flood | Jul 18, 2025 | $40,000 |
| Flood | Jul 15, 2025 | — |
| Flash Flood | Feb 15, 2025 | — |
| Flood | Feb 9, 2025 | — |
| Flood | May 8, 2025 | — |
| Flood | Jan 29, 2024 | — |
— = no damage estimate in the record. Source: NOAA Storm Events Database.
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 torrential rainfall…
Flood · Jul 18, 2025. A surface boundary was positioned west to east across the Quad State during the early afternoon with convective activity increasing with daytime heating. Scattered convection primarily occurred south of the boundary mid to late afternoon. MLCAPE reached 2000-3000J/kg but effective bulk shear was very limited. Precipitable water values over 2 allowed for torrential rainfall rates. Training storm activity occurred n…
Flash Flood · Jul 18, 2025. A surface boundary was positioned west to east across the Quad State during the early afternoon with convective activity increasing with daytime heating. Scattered convection primarily occurred south of the boundary mid to late afternoon. MLCAPE reached 2000-3000J/kg but effective bulk shear was very limited. Precipitable water values over 2 allowed for torrential rainfall rates. Training storm activity occurred n…
Flood · Jul 15, 2025. A morning frontal boundary on the northern edge of the Quad State lifted a little northward during the day on the 15th. A 40-50kt jet out of the WSW continued into the Quad State, bringing enough Gulf moisture to keep PWATs over 2 inches. MLCAPE values reached 2000-2500J/kg, while effective bulk shear remained limited. In Southwest Indiana, scattered showers and thunderstorms occurred through the day. A funnel clo…
National Weather Service narratives, lightly trimmed. Source: NOAA Storm Events Database.
Every colour on the map above is a place on this drawing: where the ground sits relative to the flood FEMA plans for.
If a building in Warrick County is in a high-risk zone (A or V) and its mortgage comes from a federally regulated or insured lender, or is federally backed, flood insurance is required.
Outside those zones it is optional, and often worth having: from 2014 to 2024 nearly one-third of NFIP claims came from outside the high-risk Special Flood Hazard Area. Since Risk Rating 2.0, NFIP premiums are set for each building, so the only reliable price is a quote: FloodSmart.gov or a local agent.