A river-town county seat
Owen County was organized in 1818, and Spencer — laid out in 1820 and named for Captain Spier Spencer, who fell at the Battle of Tippecanoe — became its seat along the White River. That riverside setting is the defining foundation fact here: homes range from floodplain lots close to the water to higher ground on the terraces above it, and the two behave very differently under a house.
Why river terraces change the plan
Bottomland near the White River tends toward soft, moisture-holding alluvial soil, while the terraces step up onto firmer ground; a foundation approach that fits one can be wrong for the other. Evaluations in Spencer weigh the home's elevation relative to the river, its drainage, and whether seasonal high water reaches the crawl space before any repair method is chosen.
Where to begin
Before a Spencer site visit
Note the symptom and its timing, the home's distance from the river if relevant, its age, and any past water intrusion. Provider coverage into Owen County varies — confirm licensing and availability directly.