Clinton County, Indiana · Frankfort
Water spreading, a burst pipe, sewage, mold or smoke? Call to be connected with a restoration company that serves Frankfort, Rossville and Mulberry. Start the steps below while you wait.
Answered 24/7 by a participating local provider. We're a referral service and don't do the work ourselves. How it works
Start here
Pick the closest match. These steps limit the damage and protect your insurance claim. Skip anything that isn't safe.
Clinton County averages 36 nights a year at 20°F or colder, mostly November to March, and 53% of its homes predate 1960.
Basements flood here mostly in July. Clinton County averages 7.2 days a year with an inch of rain or more.
Backups often follow heavy rain, which Clinton County gets about 7.2 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 84 freeze-thaw days a year, from winter ice dams. Most show up as ceiling stains in the room below.
24% of occupied homes in Clinton County heat mainly with wood or propane, above the Indiana county median of 17%.
Muggy summer nights, lows of 65°F or more, come about 36 times a year in Clinton County. Mold after a leak spreads fastest from June through August.
Local risk profile
About 32,944 people live in Clinton County, 405 square miles in central Indiana, in roughly 13,517 homes. The county seat is Frankfort, and Rossville, Mulberry and Kirklin round out the largest towns. It has some of the oldest housing in the state: the median home went up in 1957.
69/100 Water Damage Risk Index: Elevated Clinton County ranks 1 of 92 Indiana counties. See the statewide ranking and method.The three factors where Clinton County ranks highest compared with other Indiana counties.
Clinton is on the colder side of Indiana for pipes. In the 2015–2024 record the county logged about 36 nights a year at or below 20°F (23rd of 92) and 112 below freezing. Twenty degrees is roughly where uninsulated pipes start to freeze.
Cold snaps are the real risk. The worst in the record lasted 19 days below freezing (ending March 2015), and the low bottomed out near -16°F on January 2, 2018.
Expect the hardest freezes in January, inside a season that runs November to March. That's when an outdoor spigot left connected to a hose, or a pipe in a crawl space, is most likely to split.
On average the first fall freeze arrives around Oct 23 and the last spring freeze around Apr 19.
Rainfall is about average for Indiana. The county gets about 41.5 inches of rain and melted snow a year, with 7.2 days of an inch or more (50th of 92). Those downpours cluster in April, June and July, when sump pumps and gutters are tested hardest. The wettest day on record brought 2.47 inches on December 27, 2015. Multi-day storms matter most for basements; the wettest three days on record here totaled 4.06 inches (through December 29, 2015).
About 84 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
74% of homes in Clinton County predate 1980, above the Indiana county median of 58.2%, which ranks 7th of Indiana's 92 counties.
53% were built before 1960. Homes from that era often still have galvanized steel supply pipe, which rusts from the inside until it pinholes, and cast iron drains that crack with age. Slow leaks behind walls are a common start to water damage in these houses.
Beyond water
About 36 nights a year in Clinton County stay at 65°F or warmer, a sign of muggy summer air (51st of 92 counties). June is the wettest month. Keep indoor humidity under 60%, as the EPA advises, and dry any leak within 24 to 48 hours; in a humid month a wet basement left alone won't dry by itself.
Mold remediation: what to expectBy main heating fuel, Clinton County homes break down as 52% utility gas, 23% electric, 21% propane and 2% wood. Propane heat is above the Indiana norm. Annual chimney and vent inspection, which the NFPA recommends, is one of the most effective fire-prevention habits for these homes.
Fire and smoke cleanup: first stepsCoverage
Calls connect to restoration companies that work across Clinton County. The largest communities by population:
Population from ACS 2020-2024 5-year estimates. Townships and unincorporated areas are covered too.
Nearby
Boone and Montgomery get more pipe-freeze nights than Clinton. Its housing is the oldest in the area by share of homes built before 1980.
By the numbers
| Factor | Clinton | Indiana median | Rank |
|---|---|---|---|
| Homes built before 1960 | 53% | 35% | 4 of 92 |
| Homes built before 1980 | 74% | 58% | 7 of 92 |
| Homes built 2000 or later | 8.9% | 18% | 88 of 92 |
| Manufactured or mobile homes | 2.8% | 6.4% | 77 of 92 |
| Vacant homes | 7.6% | 9.2% | 60 of 92 |
| Wood or propane heat | 24% | 17% | 30 of 92 |
| Nights at 20°F or colder | 36/yr | 33/yr | 23 of 92 |
| Days with 1 inch+ of rain | 7.2/yr | 7.8/yr | 50 of 92 |
| Freeze-thaw days | 84/yr | 84/yr | 34 of 92 |
| Muggy nights (65°F+) | 36/yr | 38/yr | 51 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 Clinton County: freezing from November to March, heavy rain in April, June 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