Flood history / Ohio / ZIP 45631
ZIP 45631
Gallia County, OH
Property owners in ZIP 45631 have been paid $913K on 103 National Flood Insurance Program claims between 1978 and 2024 — an average of $9K a claim, across 25 separate years in which someone here filed and was paid.
The heaviest year
1979 is the heaviest year on file: 18 paid claims, 17.5% of the ZIP's total. The rest is spread across the other 24 years on file. The largest named event in the record is Not a named storm, with 4 claims.
3 of those claims — 2.9% — were filed since 2017. The bulk of this ZIP's record is older than that.
| Named event | Paid claims | Share of record |
|---|---|---|
| Not a named storm | 4 | 3.9% |
| Tropical Storm Ivan | 1 | 1.0% |
Where the claims sat on the map
Of the 71 claims here that record a rated flood zone, 19 — 26.8% — 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 Raccoon Creek at Adamsville (6.1 mi), Ohio River at Point Pleasant (6.9 mi) and Ohio River at R C Byrd Lock (10.6 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 45631 →
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.