Evansville, Indiana Flood Zones
Evansville lies along the Ohio River and faces significant riverine flood risk. A floodwall system protects much of the city, but surrounding areas remain vulnerable to Ohio River flooding.
FEMA Flood Risk Profile: Vanderburgh County
Based on FEMA's National Risk Index, which evaluates flood risk at the county level using historical loss data, exposure, and vulnerability.
Inland Flood Risk
Relatively ModerateEst. annual loss: $35.9M
Hurricane Risk
Very LowEst. annual loss: $36K
Source: FEMA National Risk Index, county-level assessment. Individual property risk may vary.
Federal Flood Disaster History: Vanderburgh County
Vanderburgh County has been included in 4 federal flood-related disaster declarations.
These declarations affected communities across Vanderburgh County, including Evansville.
Source: OpenFEMA Disaster Declarations Summaries API. Data sourced February 2026.
NFIP Flood Insurance Claims: Vanderburgh County
Properties in Vanderburgh County have filed 820 NFIP flood insurance claims totaling $7.4M in payouts since 1978. The average claim payout is $9K.
Highest-Claim Years
1980
110 claims - $325K
2011
94 claims - $1.7M
1997
67 claims - $978K
Claims by Flood Zone
Zone A
295
Zone X
206
Zone AE
138
Source: OpenFEMA NFIP Claims API. Data sourced February 2026.
Common Flood Zones in Evansville
Properties in Evansville, IN are commonly designated in these FEMA flood zones:
What Your Flood Zone Means in Evansville
Evansville faces flood risk primarily from river and stream overflow during heavy rainfall, snowmelt, or upstream dam releases. When rivers exceed their banks, floodwaters spread across low-lying areas mapped in AE and A zones. The most common FEMA flood zone designations in Evansville are Zone AE, Zone X. FEMA's National Risk Index estimates the county's annual expected loss from inland flooding at over $35.9M.
Riverine flood risk in Evansville is driven by the proximity and elevation of properties relative to nearby waterways. Properties closer to rivers with lower ground elevations typically face higher flood insurance premiums under FEMA's Risk Rating 2.0. If your property is in a Special Flood Hazard Area (SFHA) and you have a federally regulated or government-backed mortgage, federal law generally requires your lender to ensure you carry flood insurance.
River flood maps can change when FEMA conducts new Flood Insurance Studies or when development alters drainage patterns. Letters of Map Amendment (LOMA) can remove individual properties if the natural ground elevation was always above the Base Flood Elevation and the property was inadvertently mapped in the SFHA. Use our free lookup tool to check the current flood zone for any Evansville address.
Flood Insurance Discount: Evansville
Evansville participates in FEMA's Community Rating System (CRS), a voluntary program that rewards communities for flood mitigation efforts beyond minimum NFIP requirements. Residents in the Special Flood Hazard Area may qualify for reduced flood insurance premiums.
CRS Class
Class 8
SFHA Premium Discount
10% off
CRS classes range from 1 (best) to 10 (no discount). Evansville's Class 8 rating means NFIP policyholders in the SFHA can receive up to a 10% discount on their flood insurance premiums. Properties outside the SFHA may receive a 5% discount.
Source: FEMA Community Rating System, October 2025. Discounts apply to NFIP policies only.
Check Your Evansville Address
Enter any Evansville, IN address to instantly see its FEMA flood zone, risk level, and whether flood insurance is required.
Free Flood Zone LookupEvansville, IN Flood Zone FAQ
What flood zones are in Evansville, IN?
The most common FEMA flood zones in Evansville are Zone AE, Zone X. Properties in these high-risk zones (SFHA) may require flood insurance with a federally regulated or government-backed mortgage.
Is flood insurance required in Evansville?
If your Evansville property is in a Special Flood Hazard Area (SFHA) and you have a federally regulated or government-backed mortgage, federal law generally requires your lender to ensure you carry flood insurance. Properties in Zone X are not federally required to carry flood insurance, though coverage is still recommended since about 25% of all NFIP flood claims come from Zone X properties.
How do I check my flood zone in Evansville?
Enter your Evansville address in the search tool above for an instant flood zone determination. Results include your FEMA flood zone, SFHA status, base flood elevation (if available), and FIRM panel information, pulled directly from FEMA's National Flood Hazard Layer.
Does Evansville offer flood insurance discounts?
Yes. Evansville participates in FEMA's Community Rating System (CRS) with a Class 8 rating, qualifying residents in the Special Flood Hazard Area for up to a 10% discount on NFIP flood insurance premiums. Properties outside the SFHA may receive a 5% discount.
Has Evansville experienced major flooding events?
Vanderburgh County, where Evansville is located, has been part of 4 federal disaster declarations for flooding, hurricanes, or severe storms. The most recent was Severe Storms, Straight-Line Winds, Tornadoes, and Flooding in 2025. Federal disaster declarations are issued when flooding overwhelms local resources and triggers FEMA assistance programs.
How many flood insurance claims have been filed in Evansville?
Vanderburgh County has recorded 820 NFIP flood insurance claims totaling $7.4M in payouts since 1978. The year with the most claims was 1980, with 110 claims and $325K in payouts. These figures cover all NFIP claims in the county, including Evansville.
Sources
This page summarizes information from FEMA and other official resources in plain language. For full technical details, see the links below.
- FEMA National Flood Hazard LayerDirect Source
The NFHL is the source of all flood zone data shown on this page.
- FEMA Map Service Center — Search by AddressDirect Source
Look up any address to view FIRM panels, FIS reports, and LOMCs.
- NFHL Data and Map StatusTopic Page
View NFHL coverage and data freshness by state and community.
- FEMA National Risk Index — Data ResourcesDirect Source
County-level risk scores for inland flooding, coastal flooding, and hurricane used in the Flood Risk Profile.
- OpenFEMA Disaster Declarations Summaries API v2Direct Source
Federal disaster declarations filtered for flood-related incident types (Flood, Hurricane, Severe Storm, Coastal Storm).
- OpenFEMA FIMA NFIP Claims API v2Direct Source
Historical NFIP flood insurance claims since 1978, aggregated by county and state. Includes claim counts, payouts, and flood zone breakdowns.
Sources last verified: February 2026