Milford, Indiana Flood Zones
Last updated: March 2026
Milford faces flooding from the Tippecanoe River headwaters in Kosciusko County. Heavy rainfall events cause the river and its tributaries to overflow their banks in low-lying areas of this northern Indiana community.
Kosciusko County has recorded 377 NFIP flood insurance claims since 1978, totaling $4.1M in payouts. Explore the full NFIP claims data by state and county to see how this area compares nationally.
FEMA Region
Region 5
NFIP Policies
574
Kosciusko County
Avg. Premium
$526/yr
Kosciusko County
FEMA Flood Risk Profile: Kosciusko 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 LowEst. annual loss: $9.9M
Hurricane Risk
Very LowEst. annual loss: $32K
Source: FEMA National Risk Index, county-level assessment. Individual property risk may vary.
Federal Flood Disaster History: Kosciusko County
Kosciusko County has been included in 3 federal flood-related disaster declarations.
These declarations affected communities across Kosciusko County, including Milford.
Source: OpenFEMA Disaster Declarations Summaries API. Data sourced February 2026.
NFIP Flood Insurance Claims: Kosciusko County
Properties in Kosciusko County have filed 377 NFIP flood insurance claims totaling $4.1M in payouts since 1978. The average claim payout is $11K.
Highest-Claim Years
2009
97 claims - $2.0M
2008
65 claims - $555K
1982
29 claims - $175K
Claims by Flood Zone
Source: OpenFEMA NFIP Claims API. Data sourced March 2026. See national claims data.
Flood Insurance Coverage: Kosciusko County
An estimated 2% of households in Kosciusko County carry NFIP flood insurance. This county has elevated flood risk but very low insurance coverage, indicating a significant protection gap.
Penetration Rate
2%
Claims Ratio
1 in 2
policies have filed a claim
Avg. Claim Payout
$10,825
Derived from FEMA NRI population data and OpenFEMA NFIP policy/claims records.
Repetitive Loss Properties: Kosciusko County
Kosciusko County has 41 properties with multiple flood losses, including 5 severe repetitive loss properties. 6 properties have been mitigated.
Multiple Loss
41
Severe Rep. Loss
5
Mitigated
6
By Flood Zone
Source: OpenFEMA NFIP Multiple Loss Properties. Data sourced March 2026.
Recorded Flood Events: KOSCIUSKO County
NOAA has recorded 14 flood events in KOSCIUSKO County since 1996, causing $382K in damage.
Costliest Events
Events by Type
Source: NOAA Storm Events Database, 1996-2026. Data sourced March 2026.
What Your Flood Zone Means in Milford
Milford 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 Milford are Zone AE, Zone X. FEMA's National Risk Index estimates the county's annual expected loss from inland flooding at over $9.9M.
Riverine flood risk in Milford 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 Milford address.
Milford, IN Flood Zone FAQ
What flood zones are in Milford, IN?
The most common FEMA flood zones in Milford 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 Milford?
If your Milford 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 over 40% of all NFIP flood claims come from Zone X properties.
How do I check my flood zone in Milford?
Enter your Milford 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.
What type of flooding affects Milford?
Milford is primarily affected by river and stream overflow during heavy rainfall. The most common FEMA flood zone designations are Zone AE, Zone X. Use the free lookup tool above to check the specific flood zone for any Milford address.
Has Milford experienced major flooding events?
Kosciusko County, where Milford is located, has been part of 3 federal disaster declarations for flooding, hurricanes, or severe storms. The most recent was Severe Storms and Flooding in 2018. Federal disaster declarations are issued when flooding overwhelms local resources and triggers FEMA assistance programs.
How many flood insurance claims have been filed in Milford?
Kosciusko County has recorded 377 NFIP flood insurance claims totaling $4.1M in payouts since 1978. The year with the most claims was 2009, with 97 claims and $2.0M in payouts. These figures cover all NFIP claims in the county, including Milford.
How many flood insurance policies are active in Milford?
Kosciusko County currently has 574 active NFIP flood insurance policies with an average annual premium of $526. The most policies are in Zone AE (430 policies). These figures cover all active NFIP policies in the county.
How many Milford properties have flooded repeatedly?
Kosciusko County has 41 properties with multiple flood losses on record, including 5 severe repetitive loss properties. These are properties that have experienced four or more NFIP claims of $5,000+ or two claims exceeding the building value.
Can my Milford property be removed from a high-risk flood zone?
Yes, if your property's natural ground elevation is above the Base Flood Elevation and FEMA inadvertently mapped it in a high-risk zone, you can apply for a Letter of Map Amendment (LOMA). A successful LOMA removes the property from the Special Flood Hazard Area, generally eliminating the federal mandatory flood insurance requirement. You will need an elevation certificate from a licensed surveyor. If a property was raised above the BFE with fill material, the process is a LOMR-F rather than a LOMA.
What is Base Flood Elevation in Milford?
Base Flood Elevation (BFE) is the predicted height of floodwaters during a 1% annual chance (100-year) flood, shown on FEMA maps as an elevation number in feet above sea level. In Milford's Zone AE areas, BFE lines appear on the FIRM as wavy contours labeled with elevation values. Properties with a lowest floor at or above the BFE typically qualify for significantly lower NFIP flood insurance premiums.
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Disclaimer: Flood risk data on this page is sourced from FEMA datasets including the National Risk Index, NFIP claims and policy records, disaster declarations, and the Community Rating System. These datasets were last extracted on March 2026 and may not reflect the most recent changes. This page is for informational purposes only and is not a certified flood zone determination. Always verify current flood zone status through FEMA or a licensed determination provider before making property, insurance, or lending decisions.