Flood history / Ohio / ZIP 43609
ZIP 43609
Lucas County, OH
Property owners in ZIP 43609 have been paid $692K on 146 National Flood Insurance Program claims between 1978 and 2015 — an average of $5K a claim, across 23 separate years in which someone here filed and was paid.
The heaviest year
1982 is the heaviest year on file: 25 paid claims, 17.1% of the ZIP's total. The rest is spread across the other 22 years on file. The largest named event in the record is Tropical Storm Erin, with 1 claims.
No paid claims are recorded here since 2017. That can mean the flooding stopped, that properties were bought out or elevated, or simply that fewer owners here carry flood insurance now.
Where the claims sat on the map
Of the 129 claims here that record a rated flood zone, 49 — 38.0% — were on properties rated outside the mapped high-risk area, in a B, C or X zone. Being outside the high-risk zone has not meant much here. Flood insurance is not required outside the high-risk zone, and most properties there do not carry it — so these counts come from the minority who did.
The water near this ZIP
The closest gauges publishing official flood thresholds are Ottawa River at University of Toledo (2.8 mi), Wolf Creek (Lucas County) at Holland (5.6 mi) and Lake Erie near Toledo (7.1 mi). A gauge describes one point on one river — it will not see street drainage, sewer backup, storm surge or flash flooding.
Read current gauge conditions for 43609 →
What this does not say
These are paid National Flood Insurance Program claims, nothing more. They count insured properties whose owners filed and were paid, so they are a floor on how often this ZIP has flooded — never a measure of how likely it is to flood next. Uninsured flooding leaves no trace here at all.
The figures are aggregates published by FEMA. No individual claim, address or policyholder appears on this page or in the data behind it. Nothing here is a forecast, a warning, or advice about insurance.