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Flood insurance cost · Cuyahoga County, OH

Flood insurance cost in Cuyahoga County, Ohio

What homeowners with a National Flood Insurance Program policy actually pay, from FEMA's records of 828 home policies in force on August 31, 2026.

Cuyahoga County, OhioPolicies in force on Aug 31, 2026

Median annual cost of NFIP flood insurance for a home

$712a year

Half of insured homes paid between $516 and $1,087. That is 23% less than the Ohio median ($919). Most insured homes here are rated in zone X (66%).

$0$516 · $712 · $1,087$1,359
+4.1% vs Aug 31, 2025 (median $684)
828home policies in force
$888average cost (mean)
34%of insured homes in high-risk zones (A, V)
$250,000median 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.

Cost by flood zone in Cuyahoga County

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 AE
High risk		$1,034$734–$1,451$1,307200 (24%)+7.9%
Zone A
High risk		$935$702–$1,153$98658 (7%)+4.4%
Zone AH
High risk, shallow		$1,378$946–$1,764$1,36224 (3%)+21.8%
Zone X
Moderate to low risk		$592$484–$853$702544 (66%)±0.0%

Not shown (fewer than 10 home policies): VE, AO, 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 Cuyahoga County, by what they insure.

Type of buildingPoliciesMedianAverage
Single-family home792$721$898
Condo or apartment unit27$385$455
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.		30$2,112$3,179
Non-residential building or unit
Businesses, churches, farm buildings and other non-residential property.		168$2,868$4,539

Not shown (fewer than 10 policies): 2–4 unit building, manufactured (mobile) home.

1,026NFIP policies in force, any building
1,226insured units (condo association policies count every unit)
85%of home policies also cover contents
$100,000median contents coverage, when bought

One year on: Cuyahoga County

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 force880828−5.9%
Median annual cost$684$712+4.1%
Average annual cost$842$888+5.5%
All policies in force (any building)1,0921,026−6.0%

How many homes have flood insurance?

0.2%of all homes in Cuyahoga County have an NFIP policy
37.5%of homes in high-risk zones (special flood hazard area) have one
441,210residential buildings counted by FEMA
802of them in high-risk zones

FEMA NFIP Residential Penetration Rates, data as of August 3, 2026: residential contracts in force divided by residential structures.

Flood claims history

Since 1978, NFIP policyholders in Cuyahoga County, Ohio have filed 1,730 flood claims. 1,250 received a payment, for a total of $35.3 million (an average of $28,220 per paid claim). The year with the most claims was 2011 (209 claims). Amounts are in dollars of the time, not adjusted for inflation.

01002003004001978: 73 claims, 47 paid, $100,393 in total1979: 152 claims, 120 paid, $1,116,634 in total19791980: 89 claims, 57 paid, $123,941 in total19801981: 58 claims, 34 paid, $81,797 in total1982: 27 claims, 19 paid, $141,613 in total1983: 44 claims, 29 paid, $49,282 in total1984: 12 claims1986: 20 claims1987: 14 claims1989: 61 claims, 34 paid, $253,357 in total1990: 100 claims, 69 paid, $1,271,667 in total19901992: 13 claims1994: 121 claims, 96 paid, $2,715,597 in total19941996: 16 claims, 10 paid, $232,629 in total1997: 36 claims, 32 paid, $648,758 in total1998: 11 claims, 10 paid, $78,276 in total20002003: 39 claims, 32 paid, $701,065 in total2004: 62 claims, 48 paid, $1,730,432 in total2005: 14 claims, 12 paid, $59,898 in total2006: 118 claims, 111 paid, $8,348,477 in total2007: 24 claims, 20 paid, $324,974 in total2008: 21 claims, 16 paid, $264,037 in total20102011: 209 claims, 167 paid, $7,421,914 in total20112012: 29 claims, 21 paid, $344,923 in total2013: 15 claims, 10 paid, $433,437 in total2014: 100 claims, 76 paid, $1,533,897 in total2015: 30 claims, 16 paid, $109,434 in total2017: 17 claims, 11 paid, $214,053 in total2018: 19 claims, 11 paid, $761,002 in total2019: 16 claims, 12 paid, $279,742 in total2020: 78 claims, 64 paid, $3,518,237 in total20202023: 11 claims
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 (32)

Swipe the table sideways to see all columns.

Year of lossClaimsPaid claimsTotal paidAverage per paid claim
202311<10––
20207864$3,518,237$54,972
20191612$279,742$23,312
20181911$761,002$69,182
20171711$214,053$19,459
20153016$109,434$6,840
201410076$1,533,897$20,183
20131510$433,437$43,344
20122921$344,923$16,425
2011209167$7,421,914$44,443
20082116$264,037$16,502
20072420$324,974$16,249
2006118111$8,348,477$75,212
20051412$59,898$4,992
20046248$1,730,432$36,051
20033932$701,065$21,908
19981110$78,276$7,828
19973632$648,758$20,274
19961610$232,629$23,263
199412196$2,715,597$28,287
199213<10––
199010069$1,271,667$18,430
19896134$253,357$7,452
198714<10––
198620<10––
198412<10––
19834429$49,282$1,699
19822719$141,613$7,453
19815834$81,797$2,406
19808957$123,941$2,174
1979152120$1,116,634$9,305
19787347$100,393$2,136

From 2016 to 2026: 141 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.

Main NFIP communities in the county

North Olmsted (68 home policies) · Strongsville (63 home policies) · Valley View (56 home policies) · Westlake (55 home policies) · Shaker Heights (50 home policies) · Solon (43 home policies)