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Conditions such as excessive rain, rapid snowmelt, and frozen ground prevent the upper soil surfaces from allowing water to percolate downward as groundwater and increase surface runoff, causing flooding.
Given the number of major rivers and tributaries that dissect Indiana and the fact that approximately 24 percent of the state was historically covered by wetlands, much of Indiana is susceptible to severe flooding, given the right circumstances.
Though flood insurance is not legally required in Indiana, if your house is located in a FEMA-designated special flood hazard risk area, which is any area labeled A or V on FEMA's flood maps, your mortgage lender may require you to purchase flood insurance.
A. Yes, if you have Federal or federally related financing for your home and you do not already have flood insurance. Your lender will contact you once the new map takes effect and require you to purchase flood insurance.
Indiana experienced six major floods from January 2008 through March 2009 in various locations in the state. The greatest and most destructive flood was the June 2008 flood. The city of Columbus was completely isolated by flood water for almost a day. Flood waters affected over 25,000 people and claimed four lives.
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Zone A: Areas subject to inundation by the one percent annual chance flood event. Because detailed hydraulic analyses have not been performed, no base flood elevation or depths are shown.
This lead from the March 27, 1913, edition of The Franklin Star could easily have been used for the Flood of 2008. The similarities between the two floods are striking, including a tornado preceding each flood. However, in 1913, 61 deaths were reported across the state of Indiana.
Indiana is prone to flooding because cold northern air masses and warm, humid Gulf Coast air often clash over the state. In the winter and early spring, this can produce long rain events and flooding. In the summer, severe thunderstorms can bring heavy rains and flash flooding.
Given the number of major rivers and tributaries that dissect Indiana and the fact that approximately 24 percent of the state was historically covered by wetlands, much of Indiana is susceptible to severe flooding, given the right circumstances.
Indiana Flood Control Act (IC 14-28-1) The Act provides that it is illegal to construct a permanent abode or place of residence in a floodway. Any other structure, obstruction, deposit, or excavation in the floodway of any stream in the state must first be approved by the Commission.

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