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Flood insurance cost · Erie County, OH

Flood insurance cost in Erie County, Ohio

What homeowners with a National Flood Insurance Program policy actually pay, from FEMA's records of 409 home policies in force on August 31, 2026.

Erie County, OhioPolicies in force on Aug 31, 2026

Median annual cost of NFIP flood insurance for a home

$1,043a year

Half of insured homes paid between $695 and $1,740. That is 13% more than the Ohio median ($919). Most insured homes here are rated in zone AE (69%).

$0$695 · $1,043 · $1,740$2,175
+3.7% vs Aug 31, 2025 (median $1,006)
409home policies in force
$1,487average cost (mean)
84%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 Erie 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		$1,226$789–$2,219$1,746284 (69%)+4.6%
Zone A
High risk		$1,137$949–$1,462$1,37412 (3%)+5.3%
Zone AO
High risk, shallow		$648$504–$1,036$83048 (12%)+11.9%
Zone X
Moderate to low risk		$806$552–$1,080$86764 (16%)+1.6%

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

Type of buildingPoliciesMedianAverage
Single-family home390$1,065$1,518
Condo or apartment unit15$668$731
Non-residential building or unit
Businesses, churches, farm buildings and other non-residential property.		35$3,166$4,156

Not shown (fewer than 10 policies): 2–4 unit building, manufactured (mobile) home, whole residential building (5+ units or condo association).

447NFIP policies in force, any building
475insured units (condo association policies count every unit)
50%of home policies also cover contents
$79,000median contents coverage, when bought

One year on: Erie 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 force432409−5.3%
Median annual cost$1,006$1,043+3.7%
Average annual cost$1,388$1,487+7.1%
All policies in force (any building)476447−6.1%

How many homes have flood insurance?

1.2%of all homes in Erie County have an NFIP policy
18.3%of homes in high-risk zones (special flood hazard area) have one
34,152residential buildings counted by FEMA
1,904of 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 Erie County, Ohio have filed 1,118 flood claims. 901 received a payment, for a total of $8,405,265 (an average of $9,329 per paid claim). The year with the most claims was 1985 (183 claims). Amounts are in dollars of the time, not adjusted for inflation.

0501001502001978: 26 claims, 22 paid, $34,596 in total1979: 61 claims, 44 paid, $69,140 in total1980: 28 claims, 23 paid, $32,525 in total19801982: 163 claims, 142 paid, $842,305 in total19821983: 14 claims1984: 59 claims, 37 paid, $97,799 in total1985: 183 claims, 164 paid, $2,698,026 in total19851986: 10 claims1987: 106 claims, 86 paid, $299,920 in total198719901994: 33 claims, 32 paid, $288,384 in total1996: 50 claims, 46 paid, $312,328 in total1997: 16 claims, 14 paid, $60,748 in total1998: 85 claims, 65 paid, $696,803 in total20002006: 63 claims, 56 paid, $891,460 in total20102011: 21 claims, 18 paid, $228,767 in total2013: 11 claims2014: 16 claims, 14 paid, $154,679 in total2015: 15 claims2018: 19 claims, 17 paid, $407,761 in total2019: 24 claims, 20 paid, $225,681 in total20202021: 19 claims, 15 paid, $261,865 in total2023: 23 claims, 19 paid, $364,429 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 (22)

Swipe the table sideways to see all columns.

Year of lossClaimsPaid claimsTotal paidAverage per paid claim
20232319$364,429$19,180
20211915$261,865$17,458
20192420$225,681$11,284
20181917$407,761$23,986
201515<10––
20141614$154,679$11,048
201311<10––
20112118$228,767$12,709
20066356$891,460$15,919
19988565$696,803$10,720
19971614$60,748$4,339
19965046$312,328$6,790
19943332$288,384$9,012
198710686$299,920$3,487
198610<10––
1985183164$2,698,026$16,451
19845937$97,799$2,643
198314<10––
1982163142$842,305$5,932
19802823$32,525$1,414
19796144$69,140$1,571
19782622$34,596$1,573

From 2016 to 2026: 85 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

Unincorporated Erie County (141 home policies) · Sandusky (132 home policies) · Vermilion (83 home policies) · Huron (46 home policies)