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With 2,769 homes and around 5,999 residents, Ohio County is 86 square miles of southeast Indiana. Rising Sun is the county seat. The county's median home was built in 1978.
The three factors where Ohio County ranks highest compared with other Indiana counties.
Weather
Ohio County is milder than most of Indiana, but not mild enough to skip winterizing. From 2015–2024 it averaged 22 nights a year at 20°F or colder, the range where pipes in exterior walls, crawl spaces and unheated garages freeze, and 84 nights at or below 32°F. That ranks 84th of 92 counties.
On February 21, 2015 the low fell to about -10°F, and in the stretch ending January 2018 the county went 13 days in a row below freezing. Leaks from split pipes typically appear the day the thaw arrives.
Most freezing nights fall from December 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 Nov 5 and the last spring freeze around Apr 7.
Heavy rain is a bigger factor here than in most of Indiana. The county gets about 49.5 inches of rain and melted snow a year, with 9.2 days of an inch or more (31st of 92). Those downpours cluster in February, March and April, when sump pumps and gutters are tested hardest. The wettest day on record brought 3.01 inches on July 31, 2020. Multi-day storms matter most for basements; the wettest three days on record here totaled 4.15 inches (through August 2, 2020).
Freeze-thaw days, below freezing overnight and above it by afternoon, come about 70 times a year here. They're the main driver of ice dams and of water working its way through foundation cracks in late winter.
Freezing nights per month, 2015–2024 average
Days with 1 inch or more of rain per month, 2015–2024 average
Housing
What Ohio County's homes are made of
52% of homes in Ohio County predate 1980, below the Indiana county median of 58.2%, which ranks 60th of Indiana's 92 counties.
Since 2000 the county has added enough housing that 25% of homes are that new. Modern PEX and copper rarely fail on their own; the leaks come from connections, appliances and storms.
23% 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.
8% of homes are manufactured or mobile homes, above the Indiana county median of 6.4%. Their water lines run under the floor behind the skirting, so a torn skirt or failed heat tape freezes them faster than lines in a site-built house.
Homes by year built
Before 194023%
1940–195913%
1960–197917%
1980–199923%
2000 or later25%
Owner-occupied
81%
Indiana median 77%
Single-family
83%
of all homes
Median home value
$213k
Indiana median $179k
Beyond water
Mold and fire damage in Ohio County
Mold
About 61 nights a year in Ohio County stay at 65°F or warmer, a sign of muggy summer air (9th of 92 counties). May 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.
By main heating fuel, Ohio County homes break down as 26% utility gas, 42% electric, 19% propane and 7% 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.
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
Ohio County water damage FAQ
Which towns in Ohio County does this cover?
Calls are routed to restoration companies that serve all of Ohio County, including Rising Sun, plus the townships and rural areas around them. If the first company can't reach you quickly, ask to be connected with another.
How often do pipes freeze in Ohio County?
Pipe-freeze weather, 20°F or colder, comes about 22 nights a year in Ohio County, from December to March. Pipes along outside walls and in crawl spaces go first.
What causes the most water damage in Ohio County?
Based on the county's housing and weather data, the biggest local factors are muggy, mold-friendly summers, wood and propane heat and heavy rain and basements. Appliance supply lines and water heaters cause leaks everywhere.
Will my insurance cover water damage in Ohio County?
Sudden, accidental damage like a burst pipe is usually covered. With 9.2 heavy-rain days a year here, the gaps that matter most are basement water: sewer and sump backups need a water backup endorsement, and surface flooding or groundwater needs a separate flood policy.
How fast does mold start in a Ohio County home?
The EPA advises drying wet materials within 24 to 48 hours. In May, the county's wettest month, and on the 61 muggy summer nights a year when lows stay at 65°F or above, basements dry slowly on their own, so start fans and dehumidifiers the same day.
Water won't wait. Neither should you.
Peak risk months in Ohio County: freezing from December to March, heavy rain in February, March and April.
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