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Flood insurance cost · Franklin County, OH

Flood insurance cost in Franklin County, Ohio

What homeowners with a National Flood Insurance Program policy actually pay, from FEMA's records of 1,144 home policies in force on August 31, 2026.

Franklin County, OhioPolicies in force on Aug 31, 2026

Median annual cost of NFIP flood insurance for a home

$945a year

Half of insured homes paid between $660 and $1,307. That is 3% more than the Ohio median ($919). Most insured homes here are rated in zone AE (55%).

$0$660 · $945 · $1,307$1,634
+3.8% vs Aug 31, 2025 (median $910)
1,144home policies in force
$1,085average cost (mean)
57%of insured homes in high-risk zones (A, V)
$225,000median 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: 1 FEMA declaration · individual aid · IRS Feb 1, 2027. FEMA declarations and IRS tax relief in Franklin County.

Cost by flood zone in Franklin 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		$1,051$778–$1,438$1,228624 (55%)+4.1%
Zone A
High risk		$1,401$901–$2,110$1,64823 (2%)+23.9%
Zone X
Moderate to low risk		$774$558–$1,181$881497 (43%)+0.5%

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

Type of buildingPoliciesMedianAverage
Single-family home1,055$958$1,090
2–4 unit building22$1,754$2,048
Condo or apartment unit66$576$700
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.		72$1,950$4,516
Non-residential building or unit
Businesses, churches, farm buildings and other non-residential property.		163$2,655$4,118

Not shown (fewer than 10 policies): manufactured (mobile) home.

1,379NFIP policies in force, any building
1,482insured units (condo association policies count every unit)
61%of home policies also cover contents
$100,000median contents coverage, when bought

One year on: Franklin 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 force1,1821,144−3.2%
Median annual cost$910$945+3.8%
Average annual cost$1,031$1,085+5.2%
All policies in force (any building)1,4531,379−5.1%

How many homes have flood insurance?

0.3%of all homes in Franklin County have an NFIP policy
16.8%of homes in high-risk zones (special flood hazard area) have one
388,712residential buildings counted by FEMA
4,209of 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 Franklin County, Ohio have filed 1,403 flood claims. 966 received a payment, for a total of $8,355,579 (an average of $8,650 per paid claim). The year with the most claims was 1979 (293 claims). Amounts are in dollars of the time, not adjusted for inflation.

01002003004001978: 18 claims1979: 293 claims, 245 paid, $696,922 in total19791980: 41 claims, 32 paid, $62,826 in total19801981: 93 claims, 69 paid, $240,655 in total19811982: 15 claims, 10 paid, $72,478 in total1986: 13 claims1989: 38 claims, 25 paid, $99,899 in total1990: 58 claims, 40 paid, $514,092 in total19901992: 68 claims, 44 paid, $511,008 in total1993: 12 claims1995: 53 claims, 35 paid, $532,051 in total1997: 21 claims, 14 paid, $164,373 in total1998: 45 claims, 28 paid, $239,568 in total20002002: 10 claims2003: 42 claims, 29 paid, $239,606 in total2004: 69 claims, 41 paid, $338,708 in total2005: 56 claims, 43 paid, $608,569 in total2008: 18 claims, 12 paid, $155,974 in total20102011: 12 claims2014: 14 claims, 13 paid, $217,664 in total2015: 22 claims2016: 17 claims, 12 paid, $177,870 in total2017: 17 claims2020: 132 claims, 101 paid, $1,673,219 in total202020202021: 17 claims, 15 paid, $233,075 in total2022: 36 claims, 33 paid, $184,171 in total2026: 71 claims, 29 paid, $492,809 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 (27)

Swipe the table sideways to see all columns.

Year of lossClaimsPaid claimsTotal paidAverage per paid claim
20267129$492,809$16,993
20223633$184,171$5,581
20211715$233,075$15,538
2020132101$1,673,219$16,567
201717<10––
20161712$177,870$14,822
201522<10––
20141413$217,664$16,743
201112<10––
20081812$155,974$12,998
20055643$608,569$14,153
20046941$338,708$8,261
20034229$239,606$8,262
200210<10––
19984528$239,568$8,556
19972114$164,373$11,741
19955335$532,051$15,201
199312<10––
19926844$511,008$11,614
19905840$514,092$12,852
19893825$99,899$3,996
198613<10––
19821510$72,478$7,248
19819369$240,655$3,488
19804132$62,826$1,963
1979293245$696,922$2,845
197818<10––

From 2016 to 2026: 290 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 Franklin County (391 home policies) · Columbus (356 home policies) · Whitehall (62 home policies) · Reynoldsburg (55 home policies) · Upper Arlington (45 home policies) · Dublin (44 home policies)