01The verdict: is Carmel water safe?
Carmel's drinking water has significant quality concerns based on EPA testing data. With a grade of B (79.1/100), the system has issues across multiple categories. A water filter is recommended for all residents. The city's 3 water systems serve approximately 100,320 residents using groundwater (wells).
Chlorate is over its legal limit
Measured at 560.0 µg/L against the EPA Lifetime HA of 210 µg/L. The ledger below shows how far over — and which filter removes it.
See the measurement ↓Lead is well under the limit
90th-percentile lead is 0.0 ppb — beneath the 15 ppb federal action level and under the 5 ppb watch threshold.
See the trend ↓lithium is approaching its limit
Measured at 9.5700 µg/L — 120% of the 0.004 µg/L limit. Within the rules, but with less headroom than you'd want.
See the ledger ↓Carmel's drinking water received a grade of B (79.1 out of 100), indicating good water quality. The city's 3 water systems serve approximately 100,320 residents using ground water under influence.
Lead levels were measured at 0.0 ppb (90th percentile), well within EPA limits. UCMR 5 testing detected 1 PFAS compound in the water supply. The system has 118 violations on record, including 2 health-based violations. 12 remain unresolved.
Carmel ranks #248 out of 402 cities in Indiana for water quality, placing it below average in the state. Carmel relies on groundwater, which is generally less vulnerable to surface contamination but can be affected by naturally occurring minerals like arsenic and nitrate, as well as agricultural and industrial runoff. PFAS compounds were detected in testing, though levels remain within current EPA limits. Residents seeking extra precaution may consider an activated carbon or reverse osmosis filter. Hexavalent chromium (chromium-6) was detected at 0.16 µg/L in UCMR 3 testing. While below California's 10 µg/L limit and with no federal MCL set, residents sensitive to this contaminant may consider reverse osmosis filtration.
02What's in Carmel's water
Every contaminant flagged in Carmel, on one shared scale: distance to its own legal limit. The red line is the limit — anything past it is out of compliance, and the closer a bar gets, the less headroom the system has.
Full contaminants report
| Contaminant | Detected Level | EPA Limit | Unit | Category | Status |
|---|---|---|---|---|---|
| Lead (90th percentile) LeadHeavy Metal A toxic heavy metal that can leach into drinking water from older pipes, solder, and fixtures. No amount of lead in water is considered safe. Health EffectsBrain and nervous system damage in children, kidney damage, high blood pressure, and reproductive problems in adults. EPA Limit15 ppb action level Common SourcesCorrosion of lead pipes, lead solder, brass faucets, and household plumbing. | 0.0 | 15 | ppb | Inorganic | Safe |
| 11Cl-PF3OUdS | ND | HI | µg/L | PFAS | Not Detected |
| 4:2 FTS | ND | HI | µg/L | PFAS | Not Detected |
| 6:2 FTS 6:2 FTSPFAS A fluorotelomer sulfonate commonly found at sites contaminated with aqueous film-forming foam (AFFF) used in firefighting. Health EffectsPotential liver toxicity and endocrine disruption. Less studied but identified as a contaminant of concern. EPA LimitNo individual MCL (not yet regulated) Common SourcesFirefighting foam (AFFF), airports, military bases, and industrial facilities. | ND | HI | µg/L | PFAS | Not Detected |
| 8:2 FTS | ND | HI | µg/L | PFAS | Not Detected |
| 9Cl-PF3ONS | ND | HI | µg/L | PFAS | Not Detected |
| ADONA | ND | HI | µg/L | PFAS | Not Detected |
| HFPO-DA HFPO-DA (GenX)PFAS A replacement for PFOA in manufacturing, marketed as safer but still a persistent "forever chemical." Also known as GenX. Health EffectsLiver and kidney effects, reproductive toxicity, immune system effects, and potential cancer risk. EPA Limit10 ppt MCL Common SourcesFluoropolymer manufacturing (used as PFOA replacement), industrial wastewater discharge. | ND | 0.01 | µg/L | PFAS | Not Detected |
| lithium LithiumInorganic A naturally occurring alkali metal found in groundwater. Monitored under UCMR 5 to assess occurrence in drinking water. Health EffectsKidney effects at high doses. Low-level exposure effects under study; some research suggests neurological effects. EPA LimitNo MCL (monitoring only under UCMR 5) Common SourcesNatural mineral deposits, geothermal water, and industrial discharge. | 9.570 | HI | µg/L | PFAS | Detected |
| NEtFOSAA | ND | HI | µg/L | PFAS | Not Detected |
| NFDHA | ND | HI | µg/L | PFAS | Not Detected |
| NMeFOSAA | ND | HI | µg/L | PFAS | Not Detected |
| PFBA PFBAPFAS One of the shortest-chain PFAS compounds. Very mobile in water and difficult to remove with standard filtration. Health EffectsThyroid effects, potential developmental toxicity. Shorter half-life in body than long-chain PFAS. EPA LimitNo individual MCL (not yet regulated) Common SourcesDegradation of longer-chain PFAS, industrial discharge, and firefighting foam. | ND | HI | µg/L | PFAS | Not Detected |
| PFBS PFBSPFAS A short-chain PFAS used as a replacement for PFOS. While it clears the body faster than long-chain PFAS, it still persists in the environment. Health EffectsThyroid effects, reproductive and developmental toxicity, kidney effects. EPA LimitPart of Hazard Index (1.0) Common SourcesIndustrial discharge, firefighting foam, and as a replacement chemical in manufacturing. | ND | HI | µg/L | PFAS | Not Detected |
| PFDA | ND | HI | µg/L | PFAS | Not Detected |
| PFDoA | ND | HI | µg/L | PFAS | Not Detected |
| PFEESA | ND | HI | µg/L | PFAS | Not Detected |
| PFHpA PFHpAPFAS A medium-chain PFAS compound found in various environmental samples. Less studied than PFOA/PFOS but still considered a contaminant of concern. Health EffectsLiver effects, potential developmental toxicity, and endocrine disruption. EPA LimitPart of Hazard Index (1.0) Common SourcesDegradation of longer-chain PFAS, industrial discharge, and contaminated water sources. | ND | HI | µg/L | PFAS | Not Detected |
| PFHpS | ND | HI | µg/L | PFAS | Not Detected |
| PFHxA PFHxAPFAS A short-chain PFAS replacement chemical widely used after manufacturers phased out longer-chain PFAS. Very commonly detected in water. Health EffectsLiver and kidney effects, potential thyroid disruption. Considered less toxic than long-chain PFAS but still persistent. EPA LimitNo individual MCL (not yet regulated) Common SourcesIndustrial processes, firefighting foam (AFFF), food packaging, and textile treatment. | ND | HI | µg/L | PFAS | Not Detected |
| PFHxS PFHxSPFAS A medium-chain PFAS found in firefighting foam and consumer products. It has a long half-life in the human body, similar to long-chain PFAS. Health EffectsImmune system effects, thyroid disruption, and potential reproductive and developmental harm. EPA LimitPart of Hazard Index (1.0) Common SourcesFirefighting foam (AFFF), waterproof textiles, food packaging, and industrial discharge. | ND | HI | µg/L | PFAS | Not Detected |
| PFMBA | ND | HI | µg/L | PFAS | Not Detected |
| PFMPA | ND | HI | µg/L | PFAS | Not Detected |
| PFNA PFNAPFAS A long-chain PFAS compound used in manufacturing fluoropolymers. It bioaccumulates in the body and is very persistent in the environment. Health EffectsDevelopmental effects, liver toxicity, immune suppression, and potential cancer risk. EPA LimitPart of Hazard Index (1.0) Common SourcesFluoropolymer manufacturing, industrial emissions, and contaminated water sources. | ND | HI | µg/L | PFAS | Not Detected |
| PFOA PFOAPFAS A long-chain PFAS ("forever chemical") once widely used in nonstick coatings and firefighting foam. It persists in the body and environment for years. Health EffectsLinked to kidney and testicular cancer, thyroid disease, elevated cholesterol, and reproductive issues. EPA Limit4.0 ppt MCL Common SourcesIndustrial discharge, firefighting foam (AFFF), nonstick cookware manufacturing, and contaminated groundwater. | ND | 0.004 | µg/L | PFAS | Not Detected |
| PFOS PFOSPFAS A long-chain PFAS compound historically used in stain-resistant coatings and firefighting foam. One of the most studied and persistent PFAS chemicals. Health EffectsLiver damage, immune system suppression, thyroid disruption, increased cholesterol, and potential cancer risk. EPA Limit4.0 ppt MCL Common SourcesFirefighting foam (AFFF), industrial sites, stain-resistant fabric treatments, and contaminated groundwater. | ND | 0.004 | µg/L | PFAS | Not Detected |
| PFPeA PFPeAPFAS A short-chain PFAS compound commonly detected in drinking water. One of the most frequently found PFAS in UCMR 5 monitoring. Health EffectsLess studied than PFOA/PFOS. Potential liver and thyroid effects. Research is ongoing. EPA LimitNo individual MCL (not yet regulated) Common SourcesIndustrial discharge, firefighting foam degradation, and consumer products. | ND | HI | µg/L | PFAS | Not Detected |
| PFPeS | ND | HI | µg/L | PFAS | Not Detected |
| PFTA | ND | HI | µg/L | PFAS | Not Detected |
| PFTrDA | ND | HI | µg/L | PFAS | Not Detected |
| PFUnA | ND | HI | µg/L | PFAS | Not Detected |
Cities ranked by 90th-percentile lead PF PFAS in Indiana
Cities ranked by compounds detected Cu Copper in Indiana
Cities ranked by 90th-percentile copper
03Carmel's ten-year track record
Each box is one year. A green check means no EPA violations; a numbered badge counts that year's violations — red if any were health-based, amber if they were monitoring or paperwork issues. The system has 118 violations on record, including 2 health-based violations. 12 remain unresolved.
7 of the last ten years were clean. The numbered years had EPA violations — red when any were health-based, amber when they were paperwork or missed-testing issues.
▼ Down 1 ppb since 1992. Latest reading: 0 ppb (2025) — 0% of the action level. Sampled at higher-risk homes (90th percentile).
04Where Carmel's water comes from
Carmel's drinking water is drawn from underground aquifers through wells.
Ground Water Under Influence
Underground aquifers reached by wells — naturally filtered, but can carry minerals like arsenic and nitrate.
Local treatment
Groundwater generally needs less treatment — typically disinfection and, where needed, mineral removal.
3 systems
3 water systems, operated under local government ownership.
100,320 people
Residents served across Carmel's service area.
Groundwater is naturally filtered through rock and soil layers, generally requiring less treatment than surface water. However, it can contain naturally occurring contaminants like arsenic, radon, and minerals. Agricultural activity, septic systems, and industrial operations near well fields can introduce nitrates, pesticides, and volatile organic compounds. The system is operated by local government ownership and serves approximately 100,320 people through 3 water systems.
| System name | PWSID | Population | Source |
|---|---|---|---|
| CARMEL WATER DEPARTMENT | IN5229004 | 99,927 | Ground Water Under Influence |
| CITIZENS WATER OF WESTFIELD, LLC | IN5229009 | 61,493 | Groundwater |
| CARMEL CLAY WATER | IN5229024 | 393 | Purchased Surface Water |
Water bodies near Carmel
These water bodies shape the regional watershed and can indirectly affect groundwater quality.
05Pressure on Carmel's watershed
Outside forces that shape what reaches the treatment plant. None of these is a verdict on the tap by itself — but each adds pressure worth knowing about.
Industrial discharge
5 facilities within 10 miles reported 0 lb released to surface water in the latest EPA Toxics Release Inventory. Proximity doesn't equal tap contamination — treatment and hydrology decide — but it's pressure on the watershed.
Flood & storm history
3 federal disaster declarations on record for Hamilton County. Flooding and severe storms can overwhelm treatment plants, cause sewage overflows, and push runoff into supplies.
Superfund proximity
3 National Priorities List sites within 10 miles. Proximity does not necessarily indicate tap-water contamination — the connection depends on hydrology and treatment.
06How Carmel compares
Scores for nearby Indiana cities on one line, with the average marked.
dashed line = Indiana average (67/100)
Carmel scores 79.1/100 — above the Indiana average of 67/100. It outscores 6 of 10 nearby cities. Full Indiana rankings →
65.8 / 100DFort Wayne, IN
49.5 / 100AGary, IN
92.9 / 100BMerrillville, IN
72.1 / 100AEvansville, IN
85.2 / 100FSouth Bend, IN
39.3 / 100
Compare all cities in the county — grades, violations, and contaminant data side by side.→
07What to do at home
Steps matched to what testing actually found in Carmel's water — not generic advice.
Filter drinking & cooking water
Activated carbon or reverse osmosis filter. 1 PFAS compound detected
Compare tested filters →Read your utility's annual report
Every utility must publish a yearly Consumer Confidence Report with its own testing results. It pairs well with the independent data on this page.
How to read a CCR →Watch for Carmel alerts
This area has a history of flood declarations — after severe weather, watch for boil-water advisories from the utility, and check the live alerts on this page.
All water alerts →Frequently asked questions
Is Carmel, IN tap water safe to drink?
Carmel's water quality earned a grade of B (79.1/100). Some concerns have been identified. Consider a water filter for an extra layer of protection. The city ranks #248 out of 402 cities tested in Indiana.
What contaminants are in Carmel's water?
Lead was measured at 0.0 ppb (90th percentile). 1 PFAS compound was detected. 118 violations are on record.
How is Carmel's water quality grade calculated?
The grade is based on four factors: violation history (40%), lead and copper levels (25%), PFAS contamination (25%), and regulatory compliance (10%). The score is also adjusted based on how complete the available data is. See our methodology page for full details.
Do I need a water filter in Carmel?
PFAS compounds have been detected. A filter with activated carbon can help reduce exposure.
Where does Carmel's water come from?
Carmel's water is sourced from Ground water under influence. The city has 3 water systems serving approximately 100,320 residents.
What health violations has Carmel's water system had?
Carmel has 2 health-based violations on record. The most recent violation was recorded in January 2024. Health-based violations mean the water exceeded EPA maximum contaminant levels (MCLs) for a regulated substance. 12 violations remain unresolved.
Is Carmel's groundwater at risk of contamination?
Carmel uses groundwater, which can be affected by naturally occurring contaminants like arsenic, radon, and nitrate, as well as agricultural runoff and industrial activity. The system has 118 violations on record that may relate to groundwater quality. Groundwater systems are generally less susceptible to surface contamination but should be monitored for emerging contaminants like PFAS.
How does Carmel's water compare to other cities?
Carmel ranks #248 out of 402 cities in Indiana (better than 38% of state cities) and #8262 out of 15382 cities nationally (46th percentile). The grade of B reflects the combined assessment of violation history, lead and copper levels, PFAS contamination, and regulatory compliance.