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Flood insurance cost · Hamilton County, OH

Flood insurance cost in Hamilton County, Ohio

What homeowners with a National Flood Insurance Program policy actually pay, from FEMA's records of 864 home policies in force on August 31, 2026.

Hamilton County, OhioPolicies in force on Aug 31, 2026

Median annual cost of NFIP flood insurance for a home

$960a year

Half of insured homes paid between $612 and $1,504. That is 4% more than the Ohio median ($919). Most insured homes here are rated in zone AE (62%).

$0$612 · $960 · $1,504$1,880
+6.7% vs Aug 31, 2025 (median $900)
864home policies in force
$1,188average cost (mean)
67%of insured homes in high-risk zones (A, V)
$175,000median 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 Hamilton County.

Cost by flood zone in Hamilton 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		$1,200$809–$1,816$1,436536 (62%)+4.4%
Zone A
High risk		$898$677–$1,283$1,01942 (5%)+5.4%
Zone X
Moderate to low risk		$596$432–$906$744282 (33%)−0.3%

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 Hamilton County, by what they insure.

Type of buildingPoliciesMedianAverage
Single-family home819$960$1,193
2–4 unit building21$1,425$1,474
Condo or apartment unit21$411$639
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.		23$2,485$3,875
Non-residential building or unit
Businesses, churches, farm buildings and other non-residential property.		294$3,066$3,978

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

1,181NFIP policies in force, any building
1,238insured units (condo association policies count every unit)
57%of home policies also cover contents
$80,000median contents coverage, when bought

One year on: Hamilton 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 force895864−3.5%
Median annual cost$900$960+6.7%
Average annual cost$1,124$1,188+5.7%
All policies in force (any building)1,2211,181−3.3%

How many homes have flood insurance?

0.4%of all homes in Hamilton County have an NFIP policy
23.7%of homes in high-risk zones (special flood hazard area) have one
249,687residential buildings counted by FEMA
2,527of 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 Hamilton County, Ohio have filed 1,960 flood claims. 1,482 received a payment, for a total of $34.0 million (an average of $22,934 per paid claim). The year with the most claims was 1997 (238 claims). Amounts are in dollars of the time, not adjusted for inflation.

01002003004001978: 176 claims, 124 paid, $332,155 in total19781979: 199 claims, 169 paid, $583,481 in total19791980: 50 claims, 35 paid, $78,570 in total19801981: 27 claims, 23 paid, $55,428 in total1982: 108 claims, 85 paid, $528,513 in total1983: 17 claims, 12 paid, $33,709 in total1985: 43 claims, 29 paid, $275,812 in total1989: 11 claims1990: 31 claims, 23 paid, $154,073 in total19901991: 10 claims1993: 39 claims, 28 paid, $213,000 in total1994: 21 claims, 13 paid, $112,509 in total1995: 13 claims1996: 75 claims, 49 paid, $582,977 in total1997: 238 claims, 202 paid, $6,880,150 in total19971998: 60 claims, 37 paid, $650,865 in total2000: 21 claims, 12 paid, $275,916 in total20002001: 82 claims, 68 paid, $2,239,396 in total2003: 61 claims, 46 paid, $1,780,158 in total2004: 26 claims, 20 paid, $265,944 in total2005: 37 claims, 30 paid, $498,302 in total2008: 50 claims, 38 paid, $982,310 in total2010: 31 claims, 28 paid, $359,387 in total20102011: 45 claims, 31 paid, $805,263 in total2012: 31 claims, 25 paid, $1,115,998 in total2013: 11 claims2015: 32 claims, 26 paid, $1,426,640 in total2017: 36 claims, 30 paid, $418,271 in total2018: 116 claims, 95 paid, $4,266,449 in total2019: 17 claims, 14 paid, $798,737 in total2020: 21 claims, 10 paid, $755,836 in total20202021: 25 claims, 20 paid, $932,003 in total2022: 10 claims2025: 87 claims, 74 paid, $4,847,130 in total2026: 37 claims, 16 paid, $563,484 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 (35)

Swipe the table sideways to see all columns.

Year of lossClaimsPaid claimsTotal paidAverage per paid claim
20263716$563,484$35,218
20258774$4,847,130$65,502
202210<10––
20212520$932,003$46,600
20202110$755,836$75,584
20191714$798,737$57,053
201811695$4,266,449$44,910
20173630$418,271$13,942
20153226$1,426,640$54,871
201311<10––
20123125$1,115,998$44,640
20114531$805,263$25,976
20103128$359,387$12,835
20085038$982,310$25,850
20053730$498,302$16,610
20042620$265,944$13,297
20036146$1,780,158$38,699
20018268$2,239,396$32,932
20002112$275,916$22,993
19986037$650,865$17,591
1997238202$6,880,150$34,060
19967549$582,977$11,897
199513<10––
19942113$112,509$8,655
19933928$213,000$7,607
199110<10––
19903123$154,073$6,699
198911<10––
19854329$275,812$9,511
19831712$33,709$2,809
198210885$528,513$6,218
19812723$55,428$2,410
19805035$78,570$2,245
1979199169$583,481$3,453
1978176124$332,155$2,679

From 2016 to 2026: 349 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 Hamilton County (246 home policies) · Cincinnati (198 home policies) · Harrison (99 home policies) · Reading (40 home policies) · Newtown (38 home policies) · Cleves (32 home policies)