Owen County
Population 21,886 (2025) 385 sq mi
Property owners in Owen County have filed 147 federal flood insurance claims since 1978, 30th most of 92 counties in Indiana.
Hazard fingerprint Each spoke is this county’s percentile among U.S. counties where that hazard occurs. How it is computed
- Tornado damage paths since 195015
- Major flood years since 19782
At a glance
The record for Owen County in eight numbers. Each links to its section below.
Tornadoes since 1950
15
70th of 92 in Indiana
Fewer than the typical Indiana county, which has had 23
DetailsStrongest tornado
EF3
March 31, 2023, 5.9 mile path
Federal disaster declarations
20
Most recent: Severe Storms, Straight-Line Winds, Tornadoes, and Flooding, 2026
DetailsSnowiest season
48.8in
Winter of 1911-12
Tornadoes
About one every 5.1 years since 1950, one of them rated F3/EF3 or stronger.
Strongest
March 31, 2023
EF3, 5.9 mile path
400 yards wide; 2 killed along the whole path.
Most recent
Friday, March 31, 2023
EF3, 5.9 mile path
3 years ago.
Every recorded tornado
| Mar 31, 2023 | EF3 | 5.9 | 2 | 2 |
| Jun 15, 2019 | EF1 | 8.1 | 0 | 0 |
| Jun 24, 2014 | EF0 | 0.5 | 0 | 0 |
| Jun 27, 2008 | EF0 | 4.1 | 2 | 0 |
| May 30, 2004 | F1 | 8.4 | 0 | 0 |
| Apr 26, 1994 | F1 | 0.2 | 0 | 0 |
| May 19, 1989 | F1 | 0.5 | 0 | 0 |
| Jun 28, 1980 | F1 | 8.5 | 0 | 0 |
| Jun 1, 1978 | F1 | 0.1 | 0 | 0 |
| Jun 24, 1976 | F2 | 2.3 | 0 | 0 |
| Apr 18, 1975 | F2 | 3.6 | 2 | 0 |
| Jun 24, 1973 | F1 | 0.1 | 0 | 0 |
| Apr 1, 1959 | F1 | 0.1 | 0 | 0 |
| Mar 14, 1957 | F0 | 0.1 | 0 | 0 |
| Jun 11, 1955 | F1 | 0.1 | 0 | 0 |
- Injuries and deaths are for the tornado’s whole path, which may extend beyond the county. Deaths recorded within Owen County: 2.
- Weak tornadoes were under-recorded before Doppler radar coverage became national in the early 1990s, so earlier decades read low. Ratings use the Fujita scale before February 2007 and the Enhanced Fujita scale after.
Storm Prediction Center severe weather database, 1950 to 2025.
Hurricanes and tropical storms
No tropical storm or hurricane has tracked within 100 miles since records began in 1851.
Wildfire and smoke
No large wildfire has been mapped here since satellite mapping began in 1984.
Smoke overhead
Smokiest year
2023: 54 days
Heavy smoke on 14 days in 2021, the most of any year.
Last 10 years
18.1 days a year
Medium or heavy smoke, 2016 to 2025.
2025
14 days
Medium or heavy smoke. 39 so far in 2026.
- A smoke day is a date on which a smoke plume traced by NOAA Hazard Mapping System analysts from satellite imagery covered this place's point (the county's population centre or the city centre). Counts here are of medium or heavy smoke. Since 2018 analysts have often drawn light smoke as one area over most of the continent, so light-smoke counts are not comparable from year to year. The plumes show smoke anywhere in the air above, not air quality at the ground, and smoke hidden by cloud is missed.
NOAA Hazard Mapping System smoke analysis, 2011 to 2026, retrieved October 30, 2026.
Floods and flood insurance
147 federal flood insurance claims since 1991, with $3.6 million paid.
Most claims in one year
2008: 58 claims
$2.3 million paid.
2nd most
2005: 34 claims
$647,000 paid.
3rd most
1993: 10 claims
$114,000 paid.
Claims by ZIP code
| 47460 | 137 | $3.4 million |
| 47433 | 8 | $185,000 |
Flood events since 1996
- Flood76
- Flash Flood28
- Heavy Rain8
1 death recorded in flood events since 1996.
This product uses the Federal Emergency Management Agency's OpenFEMA API, but is not endorsed by FEMA. The Federal Government or FEMA cannot vouch for the data or analyses derived from these data after the data have been retrieved from the Agency's website(s).
OpenFEMA NFIP Redacted Claims v3, refreshed August 4, 2026. NOAA Storm Events through 2026.
River crests
Most severe crest
March 26, 1913
White River (IN) at Spencer, 28.50 ft
14.50 feet above the 14.0 ft flood stage; major flooding by today’s categories.
Most recent moderate or major crest
August 20, 2026
White River (IN) at Spencer, 20.96 ft
Moderate flooding.
River gauges
| Mill Creek (IN) near Cataract | 15.0 | 23.00 ft | 0 |
| White River (IN) at Spencer | 14.0 | 28.50 ft | 4 |
- Crests are the highest and the recent crests the National Weather Service lists for each river gauge in the county that has a flood stage, not every flood. Flood categories use each gauge's current flood stages; crests from before levees, dams or channel changes may not be comparable. Crests measured on an old datum are left out of the rankings.
NOAA National Water Prediction Service gauge records, retrieved October 30, 2026.
Drought
In severe drought or worse for 129 of 1,581 months since 1895 (8%); the longest spell lasted 12 months.
129
Months in severe drought or worse since 1895
57
Months in extreme drought
8%
Share of all months, severe or worse
10
Drought reports to the Weather Service since 1996
Lowest reading
February 1931
−6.23, extreme drought
Longest severe spell
12 months
May 1914 to April 1915.
Latest month
September 2026
+1.85, slightly wet
Last severe month: August 2012.
- The Palmer Drought Severity Index is computed by NOAA each month from the county's average temperature and precipitation, relative to the county's own climate. Zero is normal; -3 or lower is severe drought and -4 or lower extreme drought. It describes the long-term balance of moisture, not water supply or crop losses.
NOAA NCEI nClimDiv county Palmer Drought Severity Index, 1895 to September 2026, issued October 6, 2026.
Earthquakes
4 earthquakes of magnitude 4 or more within 50 miles since 1900; the largest was magnitude 5.1 in 1909.
0
Magnitude 2.5+ inside the county since 1973
10
Magnitude 3+ within 50 miles since 1973
4
Magnitude 4+ within 50 miles since 1900
1
Magnitude 5+ within 50 miles since 1900
Largest within 50 miles
September 27, 1909
Wabash River Valley, Indiana; 26.5 miles away.
Most recent, magnitude 3 or more
June 17, 2021
Magnitude 3.8
Illinois-Indiana border region; 30.8 miles away.
Every earthquake of magnitude 4 or more within 50 miles
| Jul 28, 1984 | 4.0 | 3.7 |
| Mar 14, 1921 | 4.4 | 26.2 |
| Oct 23, 1909 | 4.2 | 36.5 |
| Sep 27, 1909 | 5.1 | 26.5 |
- Earthquakes of magnitude 2.5 or more in the USGS Comprehensive Catalog since 1900. Within 50 miles means the epicentre lies within 50 miles of the county boundary (or inside the county).
- Small earthquakes were under-recorded before the modern seismic networks of the 1970s and are still missed in remote areas, so early decades read low. Magnitudes are as the catalogue reports them and mix scales (moment, local and body-wave).
USGS ANSS Comprehensive Earthquake Catalog, 1900 to present, retrieved October 30, 2026.
Severe weather and other events
382 events in the National Weather Service record, 338 of them since 1996.
40
Hail reports, 1 inch or larger
5
Hail, 2 inches or larger
99
Damaging gusts, 58 mph+
35
Winter weather events since 1996
2
Heat events since 1996
4
Cold events since 1996
Largest hail
June 25, 2023
4.00 inches
Strongest measured or estimated gust
March 31, 2023
83 mph
More event types since 1996
| Lightning | 1 | 0 |
| Dense fog and smoke | 1 | 0 |
Costliest events since 1996
- Jun 4, 2008Flood$50.0 million
National Weather Service narrative
Flooding occurred along the White River in Owen County, including near Spencer, due to heavy rain.
- Jun 18, 2021Flash Flood$20.0 million
National Weather Service narrative
Numerous local and county roads closed due to high water. A couple were rescued by boat from the roof of their vehicle on State Road 43. Additional water rescues were done across Owen and Monroe counties. 1500 Fish Creek road was completely flooded with water rapidly flowing across the road. White Road along Raccoon Creek was destroyed by flood waters. Across the county roads have suffered severe damage, 23 culverts have been washed out and 2 bridges have significant damage. In all, over 30 Owen County roads are closed. A local emergency disaster declaration was created later in the day.
- Jun 28, 1998Flash Flood$4.0 million
National Weather Service narrative
Six to 12 inch rains in about four hours between Freedom and Spencer resulted in extreme flash flooding. Flood waters washed out 9 bridges, 8 culverts, one road, and several houses.
- Sep 2, 2003Flood, Owen$2.0 million
National Weather Service narrative
8 to 10 inches of rain fell across central Indiana during the Labor Day weekend causing major flooding along parts of the White River. In fact, Indianapolis received the most rain ever for a calendar day (7.2 inches) breaking the old record set in 1895 (6.8 inches). According to a local newspaper account, nearly 3,000 residents across central Indiana applied for flood assistance and flood damage was estimated in excess of 20 million dollars. SEMA reports indicated more than 300 homes and nearly 60 businesses were flooded. Nearly 200 people were forced to evacuate their residences. The cities of Muncie and Anderson had near major flooding as the river crested at its highest level…
- Jan 21, 1999Flood, Owen$1.7 million
National Weather Service narrative
Heavy rain of up to 5 inches on the 21st and 22nd combined with rapid snow melt upstream causing widespread flooding along the White River from Muncie to East Mount Carmel. Crests ranged from around a foot above flood stage along extreme eastern sections of the White to around 10 feet above flood stage across extreme western sections. Flooding along the river in Hamilton and northern Marion counties were the highest seen since December 1990 and January 1991. Many homes and streets were flooded, and a few rescues took place. The following are various crests along the river: Muncie - 9.62 feet (flood stage is 9 feet); Anderson - 12.8 feet (flood stage is 10 feet); Noblesville -…
- Mar 31, 2023Tornado$1.6 million
National Weather Service narrative
The rotating supercell thunderstorm tracked over the town of Spencer before spawning a second, violent EF3 tornado, that first tracked through extreme northeastern Owen County. The tornado touched down in the McCormick's Creek State Park Campground Loop B, where EF2-intensity winds produced extensive tree damage. About 400 yards east the tornado impacted many campers at Campground Loop A, where two campers were killed and two others were injured. About 1.25 miles to the east-northeast further EF2-intensity damage occurred at Concord Road where large sections of a home's roof were removed while cars where crushed, rolled and thrown; here along the circulation's southern side the…
- May 30, 2004Tornado$300,000
National Weather Service narrative
An F1 tornado skipped along for almost 8 and a half miles from near Freedom to Spencer. A few homes received significant damage about midway along the path of the tornado.
- Jun 25, 2024Thunderstorm Wind$250,000
National Weather Service narrative
Numerous trees downed by thunderstorm wind gusts in Spencer and across the southern portions of the county.
- Jun 7, 2008Flash Flood$200,000
National Weather Service narrative
Spencer had multiple flood damaged homes. State Roads 43, 46, and 67 were all closed. United States 231 was also closed. Roads and bridges were washed out. Water was over railroad tracks near Gosport. Cars and golf carts were under water. Over 60 roads were washed out. Campers were stranded.
- Mar 9, 2006Flood$100,000
National Weather Service narrative
Several bouts of heavy precipitation brought flooding to the White River in central and southwest Indiana. Crests were as high as nearly 12 feet above flood stage. Damage amounts are estimated.
- Storm Events records before 1996 cover only tornadoes, thunderstorm wind and hail. Damage figures are as reported by the National Weather Service at the time, not adjusted for inflation.
NOAA NCEI Storm Events Database, 1950 to 2026, issued October 26, 2026.
Weather records
From Bloomington Indiana University, 17.7 miles from the county’s population centre, with records from 1895.
- All-time high
- 110°F2 times, most recently Jul 15, 1936
- All-time low
- −21°FJan 21, 1985
- Warmest night
- 81°FSep 8, 1939
- Coldest day
- −10°FDec 25, 1983
- Wettest day
- 6.56 inMar 25, 1913
- Snowiest day
- 16.0 inJan 26, 1904
- Hottest year
- 1954mean 57.8°F
- Coldest year
- 2014mean 50.6°F
- Wettest year
- 199365.65 in
- Driest year
- 197628.57 in
- Snowiest season
- 48.8 in1911-12
Median first snow
December 8
Earliest: October 19, 1989
Median last snow
March 10
Latest: May 1, 1909
1 of 91 winters had no measurable snow.
Station Bloomington Indiana University (USC00120784), 830 ft elevation, 17.7 miles from the population centre. Daily records from 1895 to October 26, 2026; 97.8% of days in the last 30 years are complete. Records at a single station can differ from a city’s official threaded record, which may combine several stations.
NOAA NCEI Global Historical Climatology Network Daily.
Federal disaster declarations
20 since 1953. The most recent: Severe Storms, Straight-Line Winds, Tornadoes, and Flooding, August 15, 2026.
| Aug 15, 2026 | Flood | EM-3651-IN |
| Jan 24, 2026 | Winter Storm | EM-3641-IN |
| Jul 22, 2025 | Flood | DR-4882-IN |
| Apr 15, 2023 | Severe Storm | DR-4704-IN |
| Apr 3, 2020 | Biological | DR-4515-IN |
| Mar 13, 2020 | Biological | EM-3456-IN |
| Apr 22, 2014 | Severe Storm | DR-4173-IN |
| Jun 8, 2008 | Severe Storm | DR-1766-IN |
| Sep 10, 2005 | Hurricane | EM-3238-IN |
| Jan 21, 2005 | Severe Storm | DR-1573-IN |
| Jan 11, 2005 | Snowstorm | EM-3197-IN |
| Sep 1, 2004 | Severe Storm | DR-1542-IN |
| Jun 3, 2004 | Severe Storm | DR-1520-IN |
| Sep 5, 2003 | Severe Storm | DR-1487-IN |
| Jul 11, 2003 | Severe Storm | DR-1476-IN |
| Sep 25, 2002 | Severe Storm | DR-1433-IN |
| Jun 13, 2002 | Severe Storm | DR-1418-IN |
| Jul 22, 1998 | Severe Storm | DR-1234-IN |
| Apr 2, 1996 | Flood | DR-1109-IN |
| Jan 5, 1991 | Flood | DR-891-IN |
This product uses the Federal Emergency Management Agency's OpenFEMA API, but is not endorsed by FEMA. The Federal Government or FEMA cannot vouch for the data or analyses derived from these data after the data have been retrieved from the Agency's website(s).
OpenFEMA Disaster Declarations Summaries, retrieved October 30, 2026. Statewide declarations are not listed.
How this compares
Where Owen County stands among 92 counties in Indiana and 3,143 in the United States.
| Tornadoes since 1950 | 15 | 70 / 92 |
| Tornadoes rated F3/EF3 or stronger | 1 | 69 / 92 |
| Tropical cyclones within 50 mi | 0 | — |
| Hurricane-strength passes within 50 mi | 0 | — |
| Wildfire acres since 1984 | 0 | — |
| Flood insurance claims | 147 | 30 / 92 |
| Flood insurance paid | $3.6 million | 23 / 92 |
| Disaster declarations | 20 | 17 / 92 |
| Flood events since 1996 | 112 | 19 / 92 |
| Hail and wind events since 1996 | 165 | 65 / 92 |
| Winter storm events since 1996 | 35 | 76 / 92 |
| Reported damage since 1996 | $81.9 million | 7 / 92 |
| River crests at major flood stage | 4 | 43 / 92 |
| High tide flooding days a year, last 10 years | 0.0 | — |
| Months in severe drought since 1895 | 129 | 48 / 92 |
| Medium or heavy smoke days a year, last 10 years | 18.1 | 59 / 92 |
| Earthquakes M4+ within 50 mi since 1900 | 4 | 21 / 92 |
| Earthquakes M2.5+ in the county since 1973 | 0 | — |
Neighbouring counties
| Clay County | 10 | 0 |
| Greene County | 18 | 0 |
| Monroe County | 22 | 0 |
| Morgan County | 24 | 0 |
| Putnam County | 22 | 0 |
Sources and vintage
Every number on this page comes from these public records.
- Tornadoes NOAA Storm Prediction Center severe weather database, through 2025.
- Tropical cyclones NOAA National Hurricane Center HURDAT2 (Atlantic; Northeast and Central Pacific), through 2025.
- Wildfire USGS/USFS Monitoring Trends in Burn Severity, through 2026.
- Storm events NOAA NCEI Storm Events Database, through 2026.
- Flood insurance OpenFEMA NFIP Redacted Claims v3, refreshed August 4, 2026.
- Declarations OpenFEMA Disaster Declarations Summaries v2, retrieved October 30, 2026.
- Weather records NOAA NCEI Global Historical Climatology Network Daily, station USC00120784.
- River crests NOAA National Weather Service, National Water Prediction Service river gauges, retrieved October 30, 2026.
- Drought NOAA NCEI nClimDiv county Palmer Drought Severity Index, through September 2026.
- Smoke NOAA NESDIS Hazard Mapping System smoke analysis, retrieved October 30, 2026.
- Earthquakes USGS ANSS Comprehensive Earthquake Catalog (ComCat), retrieved October 30, 2026.
Joins, thresholds and known limits are set out in the methodology. Found an error? Report it. Page built October 30, 2026.