Roanoke, IN Flood Zone Lookup
Last updated: March 2026
Roanoke faces flooding from the Wabash River and its tributaries in Huntington County. Heavy rainfall events cause river overflows that affect low-lying properties near the river corridor.
Huntington County has recorded 111 NFIP flood insurance claims since 1978, totaling $1.1M 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
48
Huntington County
Avg. Premium
$824/yr
Huntington County
FEMA Flood Risk Profile: Huntington 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: $7.2M
Hurricane Risk
Very LowEst. annual loss: $16K
Source: FEMA National Risk Index, county-level assessment. Individual property risk may vary.
Federal Flood Disaster History: Huntington County
Huntington County has been included in 2 federal flood-related disaster declarations.
These declarations affected communities across Huntington County, including Roanoke.
Source: OpenFEMA Disaster Declarations Summaries API. Data sourced February 2026.
NFIP Flood Insurance Claims: Huntington County
Properties in Huntington County have filed 111 NFIP flood insurance claims totaling $1.1M in payouts since 1978. The average claim payout is $10K.
Highest-Claim Years
2015
30 claims - $374K
2013
13 claims - $157K
2014
10 claims - $32K
Claims by Flood Zone
Source: OpenFEMA NFIP Claims API. Data sourced March 2026. See national claims data.
Flood Insurance Coverage: Huntington County
Only roughly 1 in 302 households in Huntington County carries NFIP flood insurance (0.3% of estimated households). With 22 recorded flood events and $9.6M in damage, most flood losses in this county are likely uninsured.
Penetration Rate
0.3%
roughly 1 in 302 households
Historical Claims Ratio
1 in 1
111 claims over 45+ years across 48 current policies
Avg. Claim Payout
$9,883
Per claim, county-wide since 1978
Historically, Huntington County has averaged 2.3 claims for every active policy (since 1978). This compares cumulative claims against today's policy count and does not predict future claim likelihood.
Coverage data: NFIP policies as of March 2026, claims since 1978 (March 2026), population from FEMA NRI. All figures are county-wide and include Roanoke.
What Your Flood Zone Means in Roanoke
Roanoke 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 Roanoke are Zone AE, Zone X. FEMA's National Risk Index estimates the county's annual expected loss from inland flooding at over $7.2M.
Riverine flood risk in Roanoke 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 Roanoke address.
Repetitive Loss Properties: Huntington County
Huntington County has 15 properties with multiple flood insurance losses, including 1 severe repetitive loss properties. Severe repetitive loss is a subset of multiple loss, not a separate count. Data sourced March 2026.
Multiple Loss
15
2+ claims within 10 years
Severe Repetitive Loss
1
4+ claims or 2 exceeding value
Mitigated
0
Received FEMA mitigation
By Flood Zone
Source: OpenFEMA NFIP Multiple Loss Properties. Data sourced March 2026.
Recorded Flood Events: Huntington County
NOAA has recorded 22 flood events in Huntington County since 1996, causing $9.6M in damage.
Costliest Events
Events by Type
Source: NOAA Storm Events Database, 1996-2026. Data sourced March 2026.
Flood Mitigation: Huntington County
FEMA has funded mitigation for 13 properties in Huntington County, investing $376K in flood risk reduction. Common mitigation actions include acquisition (buying and demolishing flood-prone structures), elevation (raising buildings above flood level), and safe rooms (wind/storm shelters for tornado and hurricane protection).
By Action Type
Source: OpenFEMA Hazard Mitigation Assistance. Data sourced March 2026.
Flood Insurance Discount: Roanoke
Roanoke 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 7
SFHA Premium Discount
15% off
CRS classes range from 1 (best) to 10 (no discount). Roanoke's Class 7 rating means NFIP policyholders in the SFHA can receive up to a 15% discount on their flood insurance premiums. Properties outside the SFHA may receive a 5% discount.
Source: FEMA Community Rating System, April 2026. Discounts apply to NFIP policies only.
Roanoke, IN Flood Zone FAQ
What flood zones are in Roanoke, IN?
The most common FEMA flood zones in Roanoke 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 Roanoke?
If your Roanoke 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 Roanoke?
Enter your Roanoke 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 Roanoke offer flood insurance discounts?
Yes. Roanoke participates in FEMA's Community Rating System (CRS) with a Class 7 rating, qualifying residents in the Special Flood Hazard Area for up to a 15% discount on NFIP flood insurance premiums. Properties outside the SFHA may receive a 5% discount.
Has Roanoke experienced major flooding events?
Huntington County, where Roanoke is located, has been part of 2 federal disaster declarations for flooding, hurricanes, or severe storms. The most recent was Hurricane Katrina Evacuation in 2005. Federal disaster declarations are issued when flooding overwhelms local resources and triggers FEMA assistance programs.
How many flood insurance claims have been filed in Roanoke?
Huntington County has recorded 111 NFIP flood insurance claims totaling $1.1M in payouts since 1978. The year with the most claims was 2015, with 30 claims and $374K in payouts. These figures cover all NFIP claims in the county, including Roanoke.
How many flood insurance policies are active in Roanoke?
Huntington County currently has 48 active NFIP flood insurance policies with an average annual premium of $824. The most policies are in Zone AE (28 policies). These figures cover all active NFIP policies in the county.
How many Roanoke properties have flooded repeatedly?
Huntington County has 15 properties with multiple flood losses on record, including 1 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 Roanoke 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 Roanoke?
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 Roanoke'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.