Carroll County, Indiana · Delphi
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Carroll County averages 36 nights a year at 20°F or colder, mostly November to March, and 45% of its homes predate 1960.
Heavy rain days of an inch or more come about 6.3 times a year here, most often in June. A sump pump that hasn't run since last season is a common weak point.
Backups often follow heavy rain, which Carroll County gets about 6.3 days a year, when storm water overloads sewer mains and pushes up through the lowest drain in the house.
Roof leaks here come from summer downpours and, with about 82 freeze-thaw days a year, from winter ice dams. Most show up as ceiling stains in the room below.
38% of occupied homes in Carroll County heat mainly with wood or propane, above the Indiana county median of 17%.
About 35 nights a year here stay at 65°F or warmer, so basements and crawl spaces can grow mold even without a leak.
Local risk profile
About 20,535 people live in Carroll County, 372 square miles in northern Indiana, in roughly 9,559 homes. The county seat is Delphi, and Flora, Camden and Burlington round out the largest towns. The county's median home was built in 1966.
58/100 Water Damage Risk Index: Elevated Carroll County ranks 17 of 92 Indiana counties. See the statewide ranking and method.The three factors where Carroll County ranks highest compared with other Indiana counties.
Carroll is on the colder side of Indiana for pipes. It averaged 111 freezing nights a year over 2015–2024, 36 of them at 20°F or colder, cold enough for pipes in outside walls and crawl spaces to freeze. Among 92 Indiana counties that's 23rd.
On January 2, 2018 the low fell to about -17°F, and in the stretch ending March 2015 the county went 19 days in a row below freezing. Leaks from split pipes typically appear the day the thaw arrives.
Most freezing nights fall from November to March, peaking in January. Disconnect garden hoses and shut off outdoor spigots before the first hard frost, and keep the heat at 55°F or higher if you'll be away.
On average the first fall freeze arrives around Oct 23 and the last spring freeze around Apr 20.
Carroll gets fewer downpours than most Indiana counties, but they still fill basements. About 6.3 days a year bring an inch or more (66th of 92), most often in June, out of 39.9 inches of total precipitation. On August 16, 2016, 2.77 inches fell in a single day. Multi-day storms matter most for basements; the wettest three days on record here totaled 3.93 inches (through December 29, 2015).
Freeze-thaw days, below freezing overnight and above it by afternoon, come about 82 times a year here. They're the main driver of ice dams and of water working its way through foundation cracks in late winter.
Housing
Roughly 69% of the county's housing was built before 1980. That puts Carroll among the oldest housing stocks of Indiana's 92 counties.
In Carroll County 45% of homes are older than 1960. If yours is one of them and the plumbing has never been replaced, expect galvanized steel supply pipe and cast iron drain lines, the two materials most likely to fail quietly.
The Census counted 15% of homes as vacant, above the Indiana county median of 9.2%. Empty houses are where a small leak turns into a large claim, because nobody is there to hear it.
Beyond water
Carroll County averages 35 warm, muggy nights a year (lows of 65°F or more) and gets the most rain in June. Mold grows when indoor humidity stays above about 60%, the EPA's ceiling. A basement dehumidifier set to 50% and drying anything wet within 24 to 48 hours prevents most problems.
Mold remediation: what to expectHeating fuel matters for fire risk. In Carroll County it's 38% utility gas, 22% electric, 32% propane and 6% wood. Wood and propane heat are more common here than the state median. Have chimneys swept and fuel-burning appliances serviced each fall, and keep three feet clear around stoves and space heaters.
Fire and smoke cleanup: first stepsCoverage
Calls connect to restoration companies that work across Carroll County. The largest communities by population:
Population from ACS 2020-2024 5-year estimates. Townships and unincorporated areas are covered too.
Nearby
White gets more pipe-freeze nights than Carroll. Cass County has the oldest housing nearby, with 78% of homes built before 1980.
By the numbers
| Factor | Carroll | Indiana median | Rank |
|---|---|---|---|
| Homes built before 1960 | 45% | 35% | 19 of 92 |
| Homes built before 1980 | 69% | 58% | 19 of 92 |
| Homes built 2000 or later | 15% | 18% | 64 of 92 |
| Manufactured or mobile homes | 6.8% | 6.4% | 44 of 92 |
| Vacant homes | 15% | 9.2% | 9 of 92 |
| Wood or propane heat | 38% | 17% | 5 of 92 |
| Nights at 20°F or colder | 36/yr | 33/yr | 23 of 92 |
| Days with 1 inch+ of rain | 6.3/yr | 7.8/yr | 66 of 92 |
| Freeze-thaw days | 82/yr | 84/yr | 53 of 92 |
| Muggy nights (65°F+) | 35/yr | 38/yr | 56 of 92 |
Rank 1 is the highest value. Bars run from the lowest to the highest Indiana county; the tick marks the median; orange means higher water damage risk than the median, green means lower.
Questions
Peak risk months in Carroll County: freezing from November to March, heavy rain in May, June and October.
Sources: U.S. Census Bureau, ACS 2024 5-year estimates (2020-2024); weather from NOAA nClimGrid-Daily county averages (EpiNOAA), 2015–2024, averaged across the county; county boundaries from Census TIGER. Reviewed 2026-10-21. Methodology