Flood insurance cost · Washington County, OH

Flood insurance cost in Washington County, Ohio

What homeowners with a National Flood Insurance Program policy actually pay, from FEMA's records of 254 home policies in force on August 31, 2026.

Washington County, OhioPolicies in force on Aug 31, 2026

Median annual cost of NFIP flood insurance for a home

$1,160a year

Half of insured homes paid between $813 and $1,691. That is 26% more than the Ohio median ($919). Most insured homes here are rated in zone AE (78%).

$0$813 · $1,160 · $1,691$2,114

+6.0% vs Aug 31, 2025 (median $1,094)

254home policies in force

$1,393average cost (mean)

91%of insured homes in high-risk zones (A, V)

$107,500median 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 Washington 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	$1,079	$768–$1,644	$1,328	199 (78%)	+4.1%
Zone A High risk	$1,880	$1,440–$2,264	$2,071	32 (13%)	+14.4%
Zone X Moderate to low risk	$1,112	$678–$1,264	$1,012	23 (9%)	+17.1%

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 Washington County, by what they insure.

Type of building	Policies	Median	Average
Single-family home	221	$1,165	$1,403
2–4 unit building	16	$1,364	$1,690
Manufactured (mobile) home	11	$763	$1,080
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.	22	$2,587	$3,774
Non-residential building or unit Businesses, churches, farm buildings and other non-residential property.	111	$3,002	$4,208

Not shown (fewer than 10 policies): condo or apartment unit.

387NFIP policies in force, any building

460insured units (condo association policies count every unit)

30%of home policies also cover contents

$50,000median contents coverage, when bought

One year on: Washington 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	274	254	−7.3%
Median annual cost	$1,094	$1,160	+6.0%
Average annual cost	$1,325	$1,393	+5.1%
All policies in force (any building)	420	387	−7.9%

How many homes have flood insurance?

1.2%of all homes in Washington County have an NFIP policy

10.6%of homes in high-risk zones (special flood hazard area) have one

23,518residential buildings counted by FEMA

2,387of 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 Washington County, Ohio have filed 1,307 flood claims. 1,030 received a payment, for a total of $18.3 million (an average of $17,800 per paid claim). The year with the most claims was 2004 (472 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
2024	21	16	$470,480	$29,405
2018	23	18	$608,128	$33,785
2013	11	10	$184,764	$18,476
2011	21	15	$138,422	$9,228
2005	303	213	$2,739,299	$12,861
2004	472	420	$11,014,686	$26,225
1998	91	67	$1,319,595	$19,695
1997	13	<10	–	–
1996	89	74	$869,963	$11,756
1994	34	28	$218,385	$7,799
1990	33	27	$102,331	$3,790
1980	13	10	$23,501	$2,350
1979	99	74	$252,031	$3,406

From 2016 to 2026: 44 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

Belpre (87 home policies) · Unincorporated Washington County (80 home policies) · Marietta (73 home policies)