Adams County, Indiana
A shallow water table limits basements on 97% of Adams County's mapped land, a higher share than 99% of US counties and the 2nd highest of 92 Indiana counties. Shrink-swell clay limits houses without basements on 45%.
None of the county is in drought on the October 13, 2026 Drought Monitor map. FEMA's flood data list 4 flood losses here since 2016. 62% of homes were built before 1980, against 50% nationally; the median home dates from 1971.
Data as of October 13, 2026 · sources
expansive clay: shrink-swell limits slab homes
high water table: limits basements
in drought, October 13, 2026
of homes built before 1980
Soil under Adams County
| Expansive clay (limits slab homes) | 44.8% |
| High water table (limits basements) | 97.1% |
| Septic fields very limited | 97.6% |
| Clay swell (LEP, by area) | 5.1% |
| High-swell land (LEP 6%+) | 10.3% |
| Mapped soil | 217,555 acres |
How we count · survey areas IN001 (2025-09-02)
What the numbers mean here
Clay swell averages a linear extensibility of 5.1% by land area here, and 10% of the land reaches USDA's high class (6% or more). Clay like that swells when wet and shrinks when dry, under 45% of the mapped land.
On 97% of Adams County's mapped land, soil stays saturated within about 6 feet of the surface for part of the year, which is basement depth.
Rain over the 12 months to August 2026: 37.34 in, 2.82 in below the 1991-2020 average year of 40.16 in.
USDA rates 98% of the land very limited for septic absorption fields.
Drought
0% of the county is in drought (D1 or worse) on the October 13, 2026 map. Part of the county was in drought in 24 of the last 52 weeks; the most was 100% of its area, in 24 weeks, most recently on the March 31, 2026 map.
| Category, October 13, 2026 | Share of county |
|---|---|
| D0 abnormally dry or worse | 0% |
| D1 moderate drought or worse | 0% |
| D2 severe or worse | 0% |
| D3 extreme or worse | 0% |
| D4 exceptional | 0% |
Flood losses since 2016
4 flood losses since 2016, $13,907 paid. The worst year was 2024, with 1.
| Year | Flood losses |
|---|---|
| 2016 | 1 |
| 2017 | 0 |
| 2018 | 0 |
| 2019 | 1 |
| 2020 | 0 |
| 2021 | 1 |
| 2022 | 0 |
| 2023 | 0 |
| 2024 | 1 |
| 2025 | 0 |
| 2026 to date | 0 |
Rain
| Average year, 1991-2020 | 40.16 in |
| 12 months to August 2026 | 37.34 in (-2.82) |
| 2025 | 30.31 in (-9.85) |
| Wettest year since 1895 | 2011: 51.42 in |
| Driest year since 1895 | 1934: 25.21 in |
| Days with 1 inch or more, normal at BERNE WWTP (5 mi away) | 9.3 |
Homes
| Housing units | 13,308 |
| Median year built | 1971 |
| Built before 1980 | 62% |
| Built 2000 or later | 16% |
| Owner-occupied | 84% |
| Median value, owner-occupied | $178,400 |
| Single-family detached | 83% |
What repairs cost
Published ranges from cost guides, not quotes. More sources, and where they disagree.
Nearby counties
| Place | Distance | Expansive clay | High water table |
|---|---|---|---|
| Wells County, IN | 15 mi | 55% | 93% |
| Van Wert County, OH | 20 mi | 64% | 99% |
| Mercer County, OH | 22 mi | 37% | 95% |
| Jay County, IN | 22 mi | 60% | 96% |
| Allen County, IN | 25 mi | 38% | 88% |
| Blackford County, IN | 28 mi | 63% | 96% |
| Huntington County, IN | 29 mi | 30% | 93% |
| Paulding County, OH | 32 mi | 70% | 96% |
Sources: USDA SSURGO (September 2, 2025) · US Drought Monitor (October 13, 2026) · FEMA NFIP v3 (September 9, 2026) · NOAA (August 2026) · Census ACS 2020-2024. Methods · Data status