Ohio
flood insurance data

NFIP premiums in Ohio

NFIP premiums: what NFIP policyholders paid, not a quote. Across 18,358 policies (policies effective 2025; occupancy: residential (occupancyType 1,2,3,11,12,13,14); amount: FEMA field policyCost), the median is $923, and half of them fall between $638 (Q1) and $1,301 (Q3).

Of the 5 zones listed (AE, X, A, AH, AO), zone AH has the highest median premium ($1,127) and zone X the lowest ($735). No coastal V or VE zone is listed. The median NFIP premium in Ohio, $923, is 12.5% below the national median ($1,055); it is the 12th lowest of 53 States and territories. With 18,358 residential NFIP policies effective 2025, Ohio has the 19th most of 53 States and territories.

By flood zone

Policies in force by year

Base of each count: the yearly figures are FEMA API counts of residential policy terms, every premium included; the median and quartiles rest on the policies effective 2025 with a positive policyCost. For 2025 both bases count 18,358 policies.

NFIP paid building claims in Ohio

NFIP claims: amounts paid, not repair cost. Window: year of loss 2015-2024; 2,259 paid claims; median $10,108, half of them between $4,272 (Q1) and $23,729 (Q3), in nominal dollars. Median in 2024 dollars (CPI-U): $12,277, a monetary adjustment, not today’s cost of repair.

With 2,259 paid claims (year of loss 2015-2024), Ohio has the 20th most of 53 States and territories. The paid claims are spread over the years (year of loss 2015-2024): the busiest, 2015, holds 16.8% of them.

Paid claims by year of loss

FEMA disaster declarations

Since 2000: 23 flood, hurricane and severe-storm declarations (DR and EM) covering Ohio, 21 of them major disaster declarations.

Ohio counts 23 flood, hurricane and severe-storm declarations (DR and EM) since 2000, the 24th fewest of 53 States and territories. Severe Storm declarations are the most frequent (18), ahead of Flood (3) and Hurricane (2).

Latest declarations

• DR-4945: SEVERE STORMS, STRAIGHT-LINE WINDS, TORNADOES, FLOODING, AND LANDSLIDES (Flood, 2026-10-02)
• DR-4424: SEVERE STORMS, FLOODING, AND LANDSLIDES (Flood, 2019-04-08)
• DR-4360: SEVERE STORMS, LANDSLIDES, AND MUDSLIDES (Flood, 2018-04-17)
• DR-4098: SEVERE STORMS AND FLOODING DUE TO THE REMNANTS OF HURRICANE SANDY (Hurricane, 2013-01-03)
• DR-4077: SEVERE STORMS AND STRAIGHT-LINE WINDS (Severe Storm, 2012-08-20)

FEMA assistance to homeowners

Since 2002: 87,310 owner registrations inspected by FEMA in Ohio after disasters of every declared type; inspected damage is FEMA’s assessment for its assistance program, not repair cost.

Disasters with the most inspections

• DR-1484, TORNADOES, FLOODING, SEVERE STORMS, AND HIGH WINDS (declared 2003-08-01): 36,491 inspections
• DR-1519, SEVERE STORMS AND FLOODING (declared 2004-06-03): 14,021 inspections
• DR-1580, SEVERE WINTER STORMS, FLOODING, AND MUDSLIDES (declared 2005-02-15): 9,152 inspections
• DR-1651, SEVERE STORMS, TORNADOES, STRAIGHT LINE WINDS, AND FLOODING (declared 2006-07-02): 6,814 inspections
• DR-1720, SEVERE STORMS, FLOODING, AND TORNADOES (declared 2007-08-27): 5,388 inspections

NFIP communities and flood maps

FEMA’s Community Status Book lists 857 NFIP communities in Ohio: 754 participate in the NFIP and 14 (1.6%) are classed in the Community Rating System (CRS). The best class among the communities counted here is 7 (Licking County *, Shelby, City of, West Carrollton, City of): FEMA applies its CRS discount to the full-risk premium of Regular Program NFIP policies in those communities, inside or outside the SFHA, not to the whole state; a policy can be excluded if its building does not comply with local floodplain rules. The oldest flood map still in effect in Ohio dates from 1975-04-18 (Marseilles, Village of). 103 of these communities do not participate in the NFIP; 103 carry a sanction, 11 coded as a suspension and 1 as a withdrawal.

In Ohio, 5.5% of the Status Book’s communities span several counties or match no county by name, so community counts by county are partial there.

Questions about flood insurance in Ohio

How much is flood insurance in Ohio?

NFIP policyholders in Ohio paid a median of $923 for residential policies effective 2025 (18,358 policies; FEMA field policyCost: premium, reserve fund assessment, federal policy fee and HFIAA surcharge); half paid between $638 and $1,301; $1,023 inside the Special Flood Hazard Area against $735 outside it: what NFIP policyholders paid, not a quote.

How many flood insurance claims has Ohio had?

2,259 NFIP building claims were paid (year of loss 2015-2024), with a median of $10,108; the year with the most was 2015 (379), and the named event with the most was Tropical Storm Fred (4). These are amounts paid, not repair cost.

Is Ohio in a flood zone?

Of the residential NFIP policies of Ohio (policies effective 2025), 12,565 are rated inside the Special Flood Hazard Area and 5,792 outside it (zones listed: AE, X, A, AH, AO), but these aggregates cannot tell the flood zone of an address: FEMA’s Flood Map Service Center shows it for a given property.

Related tools

NFIP paid claims and premiums are not repair estimates: to estimate the cleanup of a flooded basement from published cost-guide rates, use the basement water damage repair cost calculator; for water removal and drying after any water loss, the water damage and mitigation calculator.

To set these figures against every State on one claims window, amounts paid, not repair cost: NFIP paid building claims by state.

Before using these figures

A state figure mixes very different counties and flood zones. Method and limits.

Source and notice

This product uses the Federal Emergency Management Agency’s OpenFEMA API, but is not endorsed by FEMA. The Federal Government or FEMA cannot vouch for the data or analyses derived from these data after the data have been retrieved from the Agency's website(s).