Morgan County, Indiana · Martinsville
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Pipes freeze in Morgan County on about 31 nights a year, mostly November to March. Older homes, 25% of the stock here, are most at risk.
Heavy rain days of an inch or more come about 9.3 times a year here, most often in July. A sump pump that hasn't run since last season is a common weak point.
Sewage backups in Morgan County spike on heavy-rain days, about 9.3 a year, when sewer mains fill up and water finds the lowest drain.
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.
15% of occupied homes in Morgan County heat mainly with wood or propane, close to the Indiana county median of 17%.
With 43 muggy nights a year, mold in Morgan County can appear within days of a leak. Dry first, then clean.
Local risk profile
Morgan County covers 404 square miles of central Indiana, with about 72,659 residents and 30,046 homes. Martinsville is the county seat; Mooresville, Brooklyn and Monrovia are the next largest communities. Half the homes here were built before 1981, half after.
46/100 Water Damage Risk Index: Elevated Morgan County ranks 62 of 92 Indiana counties. See the statewide ranking and method.The three factors where Morgan County ranks highest compared with other Indiana counties.
Pipe-freeze risk in Morgan County sits near the middle of the state. In the 2015–2024 record the county logged about 31 nights a year at or below 20°F (51st of 92) and 106 below freezing. Twenty degrees is roughly where uninsulated pipes start to freeze.
Cold snaps are the real risk. The worst in the record lasted 14 days below freezing (ending January 2018), and the low bottomed out near -10°F on January 2, 2018.
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.
Freezing nights typically start around Oct 25 and end around Apr 18.
Heavy rain is a bigger factor here than in most of Indiana. Of roughly 44.4 inches of yearly precipitation, the damage comes from the 9.3 days a year with an inch or more, ranked 30th of 92. March, June and July see the most. The single wettest day in the record: 3.42 inches, June 19, 2021. The worst three-day stretch dropped 4.37 inches, ending September 10, 2018, the kind of soaking that overwhelms sump pumps and storm sewers.
Freeze-thaw days, below freezing overnight and above it by afternoon, come about 84 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 49% of the county's housing was built before 1980. That puts Morgan among the newer housing stocks of Indiana's 92 counties.
Older and newer homes sit side by side here: 25% predate 1960 and 22% are from 2000 or later. Corroded pipe is the typical failure in the first group, burst supply hoses in the second.
29% date from 1980 to 1999, the window when polybutylene, a gray flexible plastic supply pipe, was used in some homes. It's prone to leaks at the fittings, so it's worth checking for in a house from those years.
Beyond water
About 43 nights a year in Morgan County stay at 65°F or warmer, a sign of muggy summer air (31st 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 expectHeating fuel matters for fire risk. In Morgan County it's 41% utility gas, 42% electric, 14% propane and 2% 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 Morgan County. The largest communities by population:
Population from ACS 2020-2024 5-year estimates. Townships and unincorporated areas are covered too.
Nearby
Hendricks, Marion and Putnam get more pipe-freeze nights than Morgan. Marion County has the oldest housing nearby, with 59% of homes built before 1980.
By the numbers
| Factor | Morgan | Indiana median | Rank |
|---|---|---|---|
| Homes built before 1960 | 25% | 35% | 73 of 92 |
| Homes built before 1980 | 49% | 58% | 67 of 92 |
| Homes built 2000 or later | 22% | 18% | 26 of 92 |
| Manufactured or mobile homes | 5.7% | 6.4% | 50 of 92 |
| Vacant homes | 5.9% | 9.2% | 79 of 92 |
| Wood or propane heat | 15% | 17% | 53 of 92 |
| Nights at 20°F or colder | 31/yr | 33/yr | 51 of 92 |
| Days with 1 inch+ of rain | 9.3/yr | 7.8/yr | 30 of 92 |
| Freeze-thaw days | 84/yr | 84/yr | 34 of 92 |
| Muggy nights (65°F+) | 43/yr | 38/yr | 31 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 Morgan County: freezing from November to March, heavy rain in March, 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