Clark County, Indiana · Jeffersonville
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With 21% of homes built before 1960 and about 22 hard-freeze nights a year, frozen and split pipes are a leading winter risk in the county.
Heavy rain days of an inch or more come about 12.3 times a year here, most often in February. A sump pump that hasn't run since last season is a common weak point.
21% of homes here predate 1960, when clay and cast iron sewer laterals were standard. Roots and cracks in those lines are a common cause of backups.
In Clark County, 3.51 inches fell on the wettest day of the 2015–2024 record. Storms like that, and ice dams in snowy winters, cause most roof leaks.
5% of occupied homes in Clark County heat mainly with wood or propane, below the Indiana county median of 17%.
Muggy summer nights, lows of 65°F or more, come about 60 times a year in Clark County. Mold after a leak spreads fastest from June through August.
Local risk profile
About 124,354 people live in Clark County, 372 square miles in southeast Indiana, in roughly 55,049 homes. The county seat is Jeffersonville, and Clarksville, Sellersburg and Charlestown round out the largest towns. The county's median home was built in 1982.
42/100 Water Damage Risk Index: Moderate Clark County ranks 74 of 92 Indiana counties. See the statewide ranking and method.The three factors where Clark County ranks highest compared with other Indiana counties.
Clark County is milder than most of Indiana, but not mild enough to skip winterizing. It averaged 88 freezing nights a year over 2015–2024, 22 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 84th.
The longest cold spell was straight 13 days without the temperature rising above freezing, ending in January 2018. The coldest night reached about -12°F on February 21, 2015. Burst pipes usually show up when a spell like that breaks and the ice thaws.
The freeze season here runs December to March, with January the coldest. If you travel then, leave the thermostat at 55°F or above and open sink cabinets on outside walls.
On average the first fall freeze arrives around Oct 31 and the last spring freeze around Apr 12.
Heavy rain is a bigger factor here than in most of Indiana. The county gets about 52.5 inches of rain and melted snow a year, with 12.3 days of an inch or more (11th of 92). Those downpours cluster in February, March and July, when sump pumps and gutters are tested hardest. The wettest day on record brought 3.51 inches on September 9, 2018. Multi-day storms matter most for basements; the wettest three days on record here totaled 4.57 inches (through September 29, 2024).
About 77 days a year swing from below freezing at night to above freezing by day. Those freeze-thaw cycles feed ice dams on roofs, open cracks in foundations and driveways, and stress pipes that are already marginal.
Housing
Roughly 48% of the county's housing was built before 1980. That puts Clark among the newer housing stocks of Indiana's 92 counties.
Since 2000 the county has added enough housing that 31% of homes are that new. Modern PEX and copper rarely fail on their own; the leaks come from connections, appliances and storms.
Beyond water
Summer nights that don't drop below 65°F, a good marker of humid air, come about 60 times a year here, above the Indiana county median of 38. The EPA recommends keeping indoor humidity below 60%, ideally 30 to 50%. Basements can pass 60% on their own in summer, so a dehumidifier matters even without a leak, and anything wet should be dried within 24 to 48 hours.
Mold remediation: what to expectMain heating fuel in Clark County's occupied homes: 50% utility gas, 43% electric, 4% propane and 1% wood. Heating equipment, cooking and electrical failures cause most home fires nationally. Even a small kitchen fire can leave soot through the whole house, because smoke follows air currents into closets, ducts and attic space.
Fire and smoke cleanup: first stepsCoverage
Calls connect to restoration companies that work across Clark County. The largest communities by population:
Population from ACS 2020-2024 5-year estimates. Townships and unincorporated areas are covered too.
Nearby
Jefferson, Scott and Washington get more pipe-freeze nights than Clark. Jefferson County has the oldest housing nearby, with 65% of homes built before 1980.
By the numbers
| Factor | Clark | Indiana median | Rank |
|---|---|---|---|
| Homes built before 1960 | 21% | 35% | 80 of 92 |
| Homes built before 1980 | 48% | 58% | 73 of 92 |
| Homes built 2000 or later | 31% | 18% | 7 of 92 |
| Manufactured or mobile homes | 5.1% | 6.4% | 54 of 92 |
| Vacant homes | 6.9% | 9.2% | 66 of 92 |
| Wood or propane heat | 5.4% | 17% | 81 of 92 |
| Nights at 20°F or colder | 22/yr | 33/yr | 84 of 92 |
| Days with 1 inch+ of rain | 12/yr | 7.8/yr | 11 of 92 |
| Freeze-thaw days | 77/yr | 84/yr | 82 of 92 |
| Muggy nights (65°F+) | 60/yr | 38/yr | 11 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 Clark County: freezing from December to March, heavy rain in February, March and July.
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