Floyd County, Indiana · New Albany
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With 28% 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.
Basements flood here mostly in February. Floyd County averages 12.9 days a year with an inch of rain or more.
28% 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.
Floyd County's wettest day in the 2015–2024 record brought 3.89 inches, and about 74 freeze-thaw days a year mean ice dams in some winters.
11% of occupied homes in Floyd 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 64 times a year in Floyd County. Mold after a leak spreads fastest from June through August.
Local risk profile
With 34,833 homes and around 80,918 residents, Floyd County is 148 square miles of southeast Indiana. Besides New Albany, the county seat, the biggest communities are Floyds Knobs, Georgetown and Greenville. Half the homes here were built before 1980, half after.
49/100 Water Damage Risk Index: Elevated Floyd County ranks 49 of 92 Indiana counties. See the statewide ranking and method.The three factors where Floyd County ranks highest compared with other Indiana counties.
Winters here are on the gentler end for Indiana, and pipes still freeze. In the 2015–2024 record the county logged about 22 nights a year at or below 20°F (84th of 92) and 85 below freezing. Twenty degrees is roughly where uninsulated pipes start to freeze.
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 February, with January the coldest. If you travel then, leave the thermostat at 55°F or above and open sink cabinets on outside walls.
Freezing nights typically start around Oct 31 and end around Apr 10.
Heavy rain is a bigger factor here than in most of Indiana. The county gets about 52.7 inches of rain and melted snow a year, with 12.9 days of an inch or more (6th of 92). Those downpours cluster in February, April and July, when sump pumps and gutters are tested hardest. The wettest day on record brought 3.89 inches on April 3, 2015. The worst three-day stretch dropped 4.95 inches, ending April 4, 2015, the kind of soaking that overwhelms sump pumps and storm sewers.
Freeze-thaw days, below freezing overnight and above it by afternoon, come about 74 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
Indiana's 92 counties range widely in housing age; Floyd ranks 65th, with 50% of its homes built before 1980.
The mix runs from 28% built before 1960 to 21% built since 2000, so older neighborhoods bring aging pipe while newer subdivisions bring failed appliance lines and water heaters.
About 28% of homes went up between 1980 and 1999. Some houses from the late 1970s to the mid-1990s were plumbed with polybutylene, a gray plastic pipe known for failing at fittings. A plumber can tell you in a few minutes whether you have it.
Beyond water
About 64 nights a year in Floyd County stay at 65°F or warmer, a sign of muggy summer air (8th of 92 counties). July is the wettest month. 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 Floyd County's occupied homes: 44% utility gas, 45% electric, 9% propane and 1% wood. Fires here are likelier to start in the kitchen or the wiring than in the furnace. After any fire, keep the HVAC off until ducts are checked, or soot will travel through the house.
Fire and smoke cleanup: first stepsCoverage
Calls connect to restoration companies that work across Floyd County. The largest communities by population:
Population from ACS 2020-2024 5-year estimates. Townships and unincorporated areas are covered too.
Nearby
Harrison and Washington get more pipe-freeze nights than Floyd. Its housing is the oldest in the area by share of homes built before 1980.
By the numbers
| Factor | Floyd | Indiana median | Rank |
|---|---|---|---|
| Homes built before 1960 | 28% | 35% | 65 of 92 |
| Homes built before 1980 | 50% | 58% | 65 of 92 |
| Homes built 2000 or later | 21% | 18% | 28 of 92 |
| Manufactured or mobile homes | 2.8% | 6.4% | 77 of 92 |
| Vacant homes | 8.4% | 9.2% | 53 of 92 |
| Wood or propane heat | 11% | 17% | 66 of 92 |
| Nights at 20°F or colder | 22/yr | 33/yr | 84 of 92 |
| Days with 1 inch+ of rain | 13/yr | 7.8/yr | 6 of 92 |
| Freeze-thaw days | 74/yr | 84/yr | 84 of 92 |
| Muggy nights (65°F+) | 64/yr | 38/yr | 8 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 Floyd County: freezing from December to February, heavy rain in February, April 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