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Flood insurance cost · Mahoning County, OH

Flood insurance cost in Mahoning County, Ohio

What homeowners with a National Flood Insurance Program policy actually pay, from FEMA's records of 133 home policies in force on August 31, 2026.

Mahoning County, OhioPolicies in force on Aug 31, 2026

Median annual cost of NFIP flood insurance for a home

$565a year

Half of insured homes paid between $426 and $817. That is 39% less than the Ohio median ($919). Most insured homes here are rated in zone X (80%).

$0$426 · $565 · $817$1,021
+2.2% vs Aug 31, 2025 (median $553)
133home policies in force
$695average cost (mean)
20%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 Mahoning 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 A
High risk		$573$462–$700$65218 (14%)+13.9%
Zone X
Moderate to low risk		$538$412–$818$650106 (80%)−0.9%

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

Type of buildingPoliciesMedianAverage
Single-family home114$546$688
Condo or apartment unit17$629$662
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.		11$1,902$1,682
Non-residential building or unit
Businesses, churches, farm buildings and other non-residential property.		27$1,658$3,579

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

171NFIP policies in force, any building
171insured units (condo association policies count every unit)
84%of home policies also cover contents
$100,000median contents coverage, when bought

One year on: Mahoning 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 force134133−0.7%
Median annual cost$553$565+2.2%
Average annual cost$667$695+4.2%
All policies in force (any building)172171−0.6%

How many homes have flood insurance?

0.1%of all homes in Mahoning County have an NFIP policy
43.7%of homes in high-risk zones (special flood hazard area) have one
92,416residential buildings counted by FEMA
71of 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 Mahoning County, Ohio have filed 305 flood claims. 234 received a payment, for a total of $2,835,354 (an average of $12,117 per paid claim). The year with the most claims was 1982 (25 claims). Amounts are in dollars of the time, not adjusted for inflation.

0102030401979: 12 claims, 11 paid, $28,422 in total1980: 24 claims, 22 paid, $71,078 in total198019801981: 11 claims, 10 paid, $21,866 in total1982: 25 claims, 23 paid, $110,599 in total19821984: 14 claims, 12 paid, $78,802 in total1986: 12 claims1990: 15 claims, 10 paid, $80,949 in total19901991: 10 claims1992: 22 claims, 19 paid, $149,752 in total19921993: 21 claims, 14 paid, $114,182 in total1994: 14 claims, 11 paid, $17,826 in total20002003: 21 claims, 18 paid, $566,527 in total2004: 14 claims, 11 paid, $247,824 in total20102019: 14 claims20202022: 13 claims, 11 paid, $140,633 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 (15)

Swipe the table sideways to see all columns.

Year of lossClaimsPaid claimsTotal paidAverage per paid claim
20221311$140,633$12,785
201914<10––
20041411$247,824$22,529
20032118$566,527$31,474
19941411$17,826$1,621
19932114$114,182$8,156
19922219$149,752$7,882
199110<10––
19901510$80,949$8,095
198612<10––
19841412$78,802$6,567
19822523$110,599$4,809
19811110$21,866$2,187
19802422$71,078$3,231
19791211$28,422$2,584

From 2016 to 2026: 27 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 Mahoning County (101 home policies) · Canfield (10 home policies) · Youngstown (10 home policies)