Flood history / Ohio
Ohio
flood claim history.
Across the 53 Ohio ZIP codes with at least 100 paid claims on file, the National Flood Insurance Program has paid $199.0M on 13,451 claims between 1978 and 2026. ZIP 45840 in Hancock County carries the most at 2,027, 15.1% of the state total shown here.
The events driving the most paid claims across these ZIPs are Tropical Storm Ivan (518 claims), Late winter storms (461 claims) and Not a named storm (436 claims).
16.8% of the claims here that record a rated flood zone were on properties outside the mapped high-risk area — the zone where flood insurance is optional and most owners go without it.
Claim volume tracks how many properties carried flood insurance as much as how often the water came up. A ZIP with a long insured history will out-file a comparable one where few owners were covered, so read each ZIP's own record rather than ranking them against each other.
Every Ohio ZIP code on file
| ZIP | County | Paid claims | Total paid | Heaviest year |
|---|---|---|---|---|
| 45840 | Hancock County | 2,027 | $38.4M | 2007 906 |
| 45750 | Washington County | 940 | $13.6M | 2004 347 |
| 43452 | Ottawa County | 699 | $4.5M | 1982 192 |
| 43449 | Ottawa County | 463 | $3.4M | 1998 142 |
| 44870 | Erie County | 462 | $2.7M | 1982 108 |
| 45875 | Putnam County | 440 | $10.0M | 2007 188 |
| 44089 | Erie County | 424 | $4.4M | 1985 140 |
| 44125 | Cuyahoga County | 409 | $6.9M | 1979 61 |
| 45157 | Clermont County | 394 | $6.5M | 1997 236 |
| 45226 | Hamilton County | 341 | $12.1M | 1997 70 |
| 44095 | Lake County | 329 | $2.5M | 1989 65 |
| 43512 | Defiance County | 318 | $2.4M | 1982 63 |
| 44077 | Lake County | 240 | $6.2M | 2006 98 |
| 45014 | Butler County | 235 | $1.3M | 1979 76 |
| 44203 | Summit County | 226 | $5.5M | 2013 68 |
| 44131 | Cuyahoga County | 215 | $15.2M | 2011 33 |
| 43725 | Guernsey County | 198 | $5.2M | 2004 64 |
| 44839 | Erie County | 196 | $1.4M | 1998 27 |
| 44094 | Lake County | 192 | $2.2M | 1978 42 |
| 45669 | Lawrence County | 191 | $1.9M | 1997 65 |
| 45230 | Hamilton County | 190 | $2.3M | 1997 55 |
| 43912 | Belmont County | 187 | $2.6M | 2004 67 |
| 43055 | Licking County | 185 | $934K | 1979 67 |
| 43612 | Lucas County | 172 | $1.4M | 2006 67 |
| 45714 | Washington County | 170 | $2.0M | 2004 56 |
| 43611 | Lucas County | 169 | $334K | 1980 45 |
| 44430 | Trumbull County | 169 | $1.6M | 2003 74 |
| 45244 | Hamilton County | 165 | $2.4M | 1997 49 |
| 43068 | Franklin County | 163 | $1.5M | 1979 31 |
| 43130 | Fairfield County | 158 | $806K | 2018 20 |
| 43616 | Lucas County | 156 | $1.3M | 1998 37 |
| 44875 | Richland County | 155 | $5.4M | 2007 81 |
| 43609 | Lucas County | 146 | $692K | 1982 25 |
| 43917 | Jefferson County | 143 | $1.1M | 2004 80 |
| 44039 | Lorain County | 143 | $2.6M | 2014 59 |
| 44512 | Mahoning County | 141 | $731K | 1982 21 |
| 45227 | Hamilton County | 132 | $2.7M | 2001 22 |
| 45640 | Jackson County | 124 | $2.1M | 1997 31 |
| 45769 | Meigs County | 123 | $1.0M | 1979 25 |
| 45144 | Adams County | 122 | $942K | 1997 78 |
| 44215 | Medina County | 118 | $705K | 2003 18 |
| 43316 | Wyandot County | 114 | $2.4M | 2007 59 |
| 43613 | Lucas County | 113 | $501K | 2000 38 |
| 43756 | Morgan County | 113 | $1.4M | 2005 33 |
| 44883 | Seneca County | 109 | $1.6M | 2008 33 |
| 44314 | Summit County | 108 | $529K | 2011 28 |
| 45239 | Hamilton County | 108 | $609K | 1982 17 |
| 43942 | Belmont County | 106 | $1.2M | 2004 36 |
| 45631 | Gallia County | 103 | $913K | 1979 18 |
| 43332 | Marion County | 102 | $2.3M | 2013 38 |
| 45167 | Brown County | 102 | $1.3M | 1997 66 |
| 45601 | Ross County | 102 | $799K | 2005 18 |
| 45241 | Hamilton County | 101 | $4.0M | 2001 19 |
Only ZIP codes with at least 100 paid claims on file appear here. A ZIP missing from this table has a shorter record, not a clean one.