Flood insurance cost · Lawrence County, OH

Flood insurance cost in Lawrence County, Ohio

What homeowners with a National Flood Insurance Program policy actually pay, from FEMA's records of 239 home policies in force on August 31, 2026.

Lawrence County, OhioPolicies in force on Aug 31, 2026

Median annual cost of NFIP flood insurance for a home

$1,122a year

Half of insured homes paid between $854 and $1,436. That is 22% more than the Ohio median ($919). Most insured homes here are rated in zone AE (68%).

$0$854 · $1,122 · $1,436$1,795

+12.3% vs Aug 31, 2025 (median $999)

239home policies in force

$1,254average cost (mean)

81%of insured homes in high-risk zones (A, V)

$166,000median 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 Lawrence 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 zone	Median	Middle half (25th–75th percentile)	Average	Policies	vs last year
Zone AE High risk	$1,073	$754–$1,403	$1,190	163 (68%)	+13.7%
Zone A High risk	$1,554	$1,286–$2,019	$1,773	30 (13%)	+6.7%
Zone X Moderate to low risk	$1,114	$937–$1,345	$1,141	46 (19%)	+16.9%

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 Lawrence County, by what they insure.

Type of building	Policies	Median	Average
Single-family home	223	$1,127	$1,241
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.	14	$2,504	$2,385
Non-residential building or unit Businesses, churches, farm buildings and other non-residential property.	38	$2,659	$2,988

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

291NFIP policies in force, any building

291insured units (condo association policies count every unit)

43%of home policies also cover contents

$68,000median contents coverage, when bought

One year on: Lawrence 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, 2025	Aug 31, 2026	Change
Home policies in force	267	239	−10.5%
Median annual cost	$999	$1,122	+12.3%
Average annual cost	$1,133	$1,254	+10.7%
All policies in force (any building)	322	291	−9.6%

How many homes have flood insurance?

0.9%of all homes in Lawrence County have an NFIP policy

9.1%of homes in high-risk zones (special flood hazard area) have one

28,404residential buildings counted by FEMA

2,250of 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 Lawrence County, Ohio have filed 468 flood claims. 377 received a payment, for a total of $4,672,423 (an average of $12,394 per paid claim). The year with the most claims was 1997 (101 claims). Amounts are in dollars of the time, not adjusted for inflation.

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 (13)

Swipe the table sideways to see all columns.

Year of loss	Claims	Paid claims	Total paid	Average per paid claim
2021	14	10	$88,947	$8,895
2011	38	32	$706,605	$22,081
2010	29	27	$444,378	$16,458
2008	12	<10	–	–
2004	25	23	$224,118	$9,744
2003	17	<10	–	–
2002	26	23	$524,919	$22,823
2000	15	10	$64,746	$6,475
1998	15	<10	–	–
1997	101	91	$1,674,640	$18,403
1996	24	21	$158,505	$7,548
1979	31	22	$19,909	$905
1978	47	38	$91,914	$2,419

From 2016 to 2026: 14 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 Lawrence County (178 home policies) · Coal Grove (12 home policies) · Proctorville (11 home policies)