Water spreading, a burst pipe, sewage, mold or smoke? Call to be connected with a restoration company that serves Tell City, Cannelton and Troy. Start the steps below while you wait.
About 19,270 people live in Perry County, 382 square miles in southern Indiana, in roughly 8,597 homes. The county seat is Tell City, and Cannelton, Troy and Leopold round out the largest towns. Half the homes here were built before 1976, half after.
The three factors where Perry County ranks highest compared with other Indiana counties.
Weather
Winters here are on the gentler end for Indiana, and pipes still freeze. From 2015–2024 it averaged 24 nights a year at 20°F or colder, the range where pipes in exterior walls, crawl spaces and unheated garages freeze, and 94 nights at or below 32°F. That ranks 78th of 92 counties.
Cold snaps are the real risk. The worst in the record lasted 13 days below freezing (ending January 2018), and the low bottomed out near -9°F on February 20, 2015.
Most freezing nights fall from November to February, 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 27 and end around Apr 14.
Heavy rain is a bigger factor here than in most of Indiana. The county gets about 53.8 inches of rain and melted snow a year, with 12.8 days of an inch or more (7th of 92). Those downpours cluster in February, March and April, when sump pumps and gutters are tested hardest. The wettest day on record brought 3.44 inches on October 28, 2015. The worst three-day stretch dropped 4.82 inches, ending February 25, 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 82 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 Perry County's homes are made of
55% of homes in Perry County predate 1980, close to the Indiana county median of 58.2%, which ranks 51st of Indiana's 92 counties.
Housing age is mixed: 31% of homes are pre-1960 and 18% are 2000 or newer. Ask any plumber which era your house is from and you'll know which failures to watch for.
The 1980s and 1990s account for 27% of the county's homes. If yours is from those decades, look under the sinks and at the water heater for gray plastic pipe stamped PB, which is polybutylene and leak-prone.
Manufactured and mobile homes make up 14% of the housing here. Water lines in the underbelly depend on intact skirting and working heat tape, and they're usually the first to freeze in a cold snap.
Homes by year built
Before 194016%
1940–195914%
1960–197925%
1980–199927%
2000 or later18%
Owner-occupied
76%
Indiana median 77%
Single-family
75%
of all homes
Median home value
$163k
Indiana median $179k
Beyond water
Mold and fire damage in Perry County
Mold
Summer nights that don't drop below 65°F, a good marker of humid air, come about 50 times a year here, above the Indiana county median of 38. Mold grows when indoor humidity stays above about 60%, the EPA's ceiling. A basement dehumidifier set to 50% and drying anything wet within 24 to 48 hours prevents most problems.
Main heating fuel in Perry County's occupied homes: 42% utility gas, 34% electric, 17% propane and 5% wood. Wood heat is more common here than in most Indiana counties. Heating equipment is one of the leading causes of home fires nationally, and the NFPA recommends having chimneys and vents inspected every year.
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
Perry County water damage FAQ
Which towns in Perry County does this cover?
Calls are routed to restoration companies that serve all of Perry County, including Tell City, Cannelton, Troy and Leopold, 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 Perry County?
Pipe-freeze weather, 20°F or colder, comes about 24 nights a year in Perry County, from November to February. Pipes along outside walls and in crawl spaces go first.
What causes the most water damage in Perry County?
Based on the county's housing and weather data, the biggest local factors are heavy rain and basements, muggy, mold-friendly summers and mobile home freeze-ups. Appliance supply lines and water heaters cause leaks everywhere.
Will my insurance cover water damage in Perry County?
Sudden, accidental damage like a burst pipe is usually covered. With 12.8 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 Perry County home?
The EPA advises drying wet materials within 24 to 48 hours. In July, the county's wettest month, and on the 50 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 Perry County: freezing from November to February, 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