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Flood insurance cost · OH

Flood insurance cost in Ohio

What homeowners with a National Flood Insurance Program policy actually pay, from FEMA's records of 17,419 home policies in force on August 31, 2026.

OhioPolicies in force on Aug 31, 2026

Median annual cost of NFIP flood insurance for a home

$919a year

Half of insured homes paid between $631 and $1,336. That is 15% less than the national median ($1,082). Most insured homes here are rated in zone AE (55%).

$0$631 · $919 · $1,336$1,670
+4.7% vs Aug 31, 2025 (median $878)
17,419home policies in force
$1,097average cost (mean)
68%of insured homes in high-risk zones (A, V)
$178,000median building coverage

This is what policyholders paid, not a quote. Two neighbors can pay very different prices: NFIP prices depend on the building (elevation, foundation, number of floors, replacement cost), the coverage and deductible chosen and the distance to water (FEMA FloodSmart: premium factors). For a price for your building, ask an insurance agent. Private flood insurance is not included in these figures.

Disaster declarations: see FEMA declarations and IRS tax relief in Ohio, county by county.

Cost by flood zone in Ohio

The flood zone on FEMA's map is one of the main price factors. Median and middle half of what insured homes paid, by the zone used to rate the policy.

Flood zoneMedianMiddle half (25th–75th percentile)AveragePoliciesvs last year
Zone VE / V
High risk, coastal		$1,113$876–$1,292$1,22018 (0%)+16.8%
Zone AE
High risk		$1,049$732–$1,529$1,2529,611 (55%)+4.5%
Zone A
High risk		$932$669–$1,370$1,1491,868 (11%)+3.3%
Zone AO
High risk, shallow		$831$616–$1,120$962125 (1%)−0.1%
Zone AH
High risk, shallow		$1,126$714–$1,570$1,209148 (1%)+6.4%
Zone X
Moderate to low risk		$713$511–$1,070$8165,649 (32%)+2.6%

Not shown (fewer than 10 home policies): A99/AR, D. Shares are of all insured homes; a few policies have no rated zone. "vs last year" compares medians with policies in force a year earlier.

Cost by type of building

All NFIP policies in force in Ohio, by what they insure.

Type of buildingPoliciesMedianAverage
Single-family home16,248$918$1,098
2–4 unit building410$1,164$1,436
Manufactured (mobile) home320$1,084$1,253
Condo or apartment unit441$492$622
Whole residential building (5+ units or condo association)
One policy covers the whole building, so the cost is much higher than for a single home.		588$2,092$3,227
Non-residential building or unit
Businesses, churches, farm buildings and other non-residential property.		2,792$2,283$3,316
20,799NFIP policies in force, any building
21,707insured units (condo association policies count every unit)
56%of home policies also cover contents
$84,000median contents coverage, when bought

One year on: Ohio

Policies in force on August 31, 2026 compared with a year earlier. Nationwide, practically all policies in both years carry FEMA's Risk Rating 2.0 occupancy codes, so both years use the same pricing system. The policies are not the same: some were new, some lapsed.

Aug 31, 2025Aug 31, 2026Change
Home policies in force18,22417,419−4.4%
Median annual cost$878$919+4.7%
Average annual cost$1,040$1,097+5.5%
All policies in force (any building)21,82220,799−4.7%

Flood claims history

Since 1978, NFIP policyholders in Ohio have filed 28,417 flood claims. 22,074 received a payment, for a total of $372.6 million (an average of $16,881 per paid claim). The year with the most claims was 2004 (2,223 claims). Amounts are in dollars of the time, not adjusted for inflation.

01k2k3k4k1978: 887 claims, 633 paid, $2,277,601 in total1979: 1,765 claims, 1,407 paid, $5,303,945 in total19791980: 909 claims, 699 paid, $2,740,125 in total19801981: 1,024 claims, 812 paid, $3,759,288 in total1982: 1,089 claims, 944 paid, $5,953,229 in total1983: 180 claims, 115 paid, $627,422 in total1984: 220 claims, 123 paid, $584,915 in total1985: 726 claims, 520 paid, $4,402,159 in total1986: 196 claims, 87 paid, $526,085 in total1987: 418 claims, 296 paid, $1,939,736 in total1988: 39 claims, 18 paid, $220,661 in total1989: 375 claims, 238 paid, $2,061,366 in total1990: 698 claims, 510 paid, $4,113,732 in total19901991: 130 claims, 74 paid, $431,626 in total1992: 269 claims, 176 paid, $1,540,881 in total1993: 145 claims, 93 paid, $897,038 in total1994: 472 claims, 360 paid, $6,176,350 in total1995: 257 claims, 173 paid, $1,824,233 in total1996: 557 claims, 410 paid, $4,074,455 in total1997: 1,692 claims, 1,420 paid, $25,867,375 in total19971998: 1,246 claims, 963 paid, $14,679,894 in total1999: 72 claims, 43 paid, $396,457 in total2000: 342 claims, 236 paid, $2,054,442 in total20002001: 233 claims, 160 paid, $3,773,765 in total2002: 164 claims, 113 paid, $1,430,809 in total2003: 774 claims, 598 paid, $12,007,393 in total2004: 2,223 claims, 1,891 paid, $36,256,735 in total20042005: 1,106 claims, 849 paid, $10,689,799 in total2006: 745 claims, 643 paid, $21,635,776 in total2007: 1,526 claims, 1,378 paid, $46,205,741 in total2008: 874 claims, 711 paid, $10,536,679 in total2009: 276 claims, 228 paid, $2,050,503 in total2010: 161 claims, 128 paid, $1,967,931 in total20102011: 1,615 claims, 1,297 paid, $30,123,078 in total2012: 196 claims, 143 paid, $2,977,142 in total2013: 678 claims, 547 paid, $14,226,895 in total2014: 588 claims, 445 paid, $12,764,688 in total2015: 534 claims, 380 paid, $7,920,005 in total2016: 83 claims, 44 paid, $697,705 in total2017: 410 claims, 304 paid, $5,372,414 in total2018: 475 claims, 382 paid, $10,929,974 in total2019: 388 claims, 296 paid, $8,993,251 in total2020: 484 claims, 372 paid, $13,500,874 in total20202021: 203 claims, 159 paid, $4,157,714 in total2022: 187 claims, 139 paid, $2,473,168 in total2023: 126 claims, 93 paid, $3,474,442 in total2024: 160 claims, 121 paid, $5,097,706 in total2025: 185 claims, 154 paid, $7,468,878 in total2026: 315 claims, 149 paid, $3,443,861 in total
Flood claims per year of loss, 1978–2026. Years with fewer than 10 claims are left blank. Hover a bar for details.
All years with at least 10 claims (49)

Swipe the table sideways to see all columns.

Year of lossClaimsPaid claimsTotal paidAverage per paid claim
2026315149$3,443,861$23,113
2025185154$7,468,878$48,499
2024160121$5,097,706$42,130
202312693$3,474,442$37,360
2022187139$2,473,168$17,793
2021203159$4,157,714$26,149
2020484372$13,500,874$36,293
2019388296$8,993,251$30,383
2018475382$10,929,974$28,612
2017410304$5,372,414$17,672
20168344$697,705$15,857
2015534380$7,920,005$20,842
2014588445$12,764,688$28,685
2013678547$14,226,895$26,009
2012196143$2,977,142$20,819
20111,6151,297$30,123,078$23,225
2010161128$1,967,931$15,374
2009276228$2,050,503$8,993
2008874711$10,536,679$14,820
20071,5261,378$46,205,741$33,531
2006745643$21,635,776$33,648
20051,106849$10,689,799$12,591
20042,2231,891$36,256,735$19,173
2003774598$12,007,393$20,079
2002164113$1,430,809$12,662
2001233160$3,773,765$23,586
2000342236$2,054,442$8,705
19997243$396,457$9,220
19981,246963$14,679,894$15,244
19971,6921,420$25,867,375$18,216
1996557410$4,074,455$9,938
1995257173$1,824,233$10,545
1994472360$6,176,350$17,157
199314593$897,038$9,646
1992269176$1,540,881$8,755
199113074$431,626$5,833
1990698510$4,113,732$8,066
1989375238$2,061,366$8,661
19883918$220,661$12,259
1987418296$1,939,736$6,553
198619687$526,085$6,047
1985726520$4,402,159$8,466
1984220123$584,915$4,755
1983180115$627,422$5,456
19821,089944$5,953,229$6,306
19811,024812$3,759,288$4,630
1980909699$2,740,125$3,920
19791,7651,407$5,303,945$3,770
1978887633$2,277,601$3,598

From 2016 to 2026: 3,016 claims (counting only years with at least 10). 2026 is a partial year. Claims are counted where the insured property is; they include buildings and contents, homes and businesses.

Counties in Ohio

Counties with at least 100 NFIP home policies in force have their own page.

Other counties (fewer policies, no separate page)
CountyHome policiesMedian
Adams County46$1,241
Ashland County76$1,169
Ashtabula County65$850
Brown County90$1,238
Carroll County58$1,194
Champaign County68$836
Clinton County67$844
Columbiana County85$1,003
Coshocton County46$1,230
Crawford County42$995
Darke County69$919
Defiance County45$1,374
Fayette County35$1,044
Fulton County54$778
Geauga County80$751
Guernsey County79$919
Hardin County58$942
Harrison County28$1,197
Henry County43$1,159
Holmes County60$1,366
Huron County56$669
Jackson County55$930
Madison County36$898
Mercer County54$827
Monroe County23$1,398
Morgan County44$1,526
Morrow County21$937
Muskingum County88$1,397
Noble County29$1,229
Paulding County49$918
Perry County88$947
Pickaway County71$1,302
Pike County71$1,564
Preble County89$985
Richland County86$794
Ross County81$1,192
Seneca County61$1,212
Union County55$1,086
Van Wert County43$874
Vinton County10$1,074
Williams County42$822
Wyandot County86$854

ZIP codes with the most insured homes