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Flood insurance cost · ZIP 43452 · OH

Flood insurance cost in ZIP 43452 (unincorporated Ottawa County, OH)

What homeowners with a National Flood Insurance Program policy actually pay, from FEMA's records of 300 home policies in force on August 31, 2026.

ZIP code 43452 (unincorporated Ottawa County, OH)Policies in force on Aug 31, 2026

Median annual cost of NFIP flood insurance for a home

$1,161a year

Half of insured homes paid between $873 and $1,565. That is 3% more than the Ottawa County median ($1,128). Most insured homes here are rated in zone AE (74%).

$0$873 · $1,161 · $1,565$1,956
+5.5% vs Aug 31, 2025 (median $1,100)
300home policies in force
$1,307average cost (mean)
78%of insured homes in high-risk zones (A, V)
$203,500median 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 ZIP code 43452

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		$1,289$970–$1,676$1,412223 (74%)+8.0%
Zone X
Moderate to low risk		$979$699–$1,184$1,01965 (22%)+2.6%

Not shown (fewer than 10 home policies): VE, A, 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 ZIP code 43452, by what they insure.

Type of buildingPoliciesMedianAverage
Single-family home253$1,184$1,314
Manufactured (mobile) home16$1,488$1,602
Condo or apartment unit27$758$936
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.		20$4,164$4,369
Non-residential building or unit
Businesses, churches, farm buildings and other non-residential property.		39$1,540$3,434

Not shown (fewer than 10 policies): 2–4 unit building.

359NFIP policies in force, any building
437insured units (condo association policies count every unit)
49%of home policies also cover contents
$60,000median contents coverage, when bought

One year on: ZIP code 43452

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 force310300−3.2%
Median annual cost$1,100$1,161+5.5%
Average annual cost$1,220$1,307+7.1%
All policies in force (any building)375359−4.3%

Flood claims history

Since 1978, NFIP policyholders in ZIP 43452 have filed 696 flood claims. 537 received a payment, for a total of $4,361,541 (an average of $8,122 per paid claim). The year with the most claims was 1982 (192 claims). Amounts are in dollars of the time, not adjusted for inflation.

0501001502001980: 41 claims, 33 paid, $52,178 in total19801982: 192 claims, 175 paid, $916,866 in total19821984: 19 claims, 14 paid, $21,064 in total1985: 61 claims, 45 paid, $98,349 in total1986: 31 claims, 18 paid, $37,971 in total1987: 89 claims, 63 paid, $204,177 in total198719901997: 26 claims, 18 paid, $142,829 in total1998: 116 claims, 95 paid, $1,168,014 in total1998200020102015: 15 claims, 12 paid, $238,426 in total2018: 17 claims, 15 paid, $455,120 in total2019: 12 claims20202021: 10 claims, 10 paid, $266,538 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 (12)

Swipe the table sideways to see all columns.

Year of lossClaimsPaid claimsTotal paidAverage per paid claim
20211010$266,538$26,654
201912<10––
20181715$455,120$30,341
20151512$238,426$19,869
199811695$1,168,014$12,295
19972618$142,829$7,935
19878963$204,177$3,241
19863118$37,971$2,110
19856145$98,349$2,186
19841914$21,064$1,505
1982192175$916,866$5,239
19804133$52,178$1,581

From 2016 to 2026: 39 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.

NFIP communities in this ZIP code

Unincorporated Ottawa County (270 home policies) · Port Clinton (30 home policies). A ZIP code can cross city and county lines; each policy is counted once, in the ZIP code reported for the insured building.