Flood insurance claims in Adams County, Ohio

FEMA records 155 National Flood Insurance Program claims in Adams County, Ohio, since 1978, with $1.4 million paid in total. The year with the most claims was 1997, with 87. As of 3 August 2026, 0.3% of homes here had an NFIP policy, and 6.4% of homes in the high-risk flood zone did.

NFIP claims on record155

Total paid$1.4 million

Claims with a payment139

Homes with NFIP policy0.3%

High-risk zone homes insured6.4%

Residential policies in force50

Claims by year of loss

NFIP claims by year of loss, Adams County, Ohio

Paid on claims by year of loss (building, contents and increased cost of compliance), Adams County, Ohio

Named flood events with the most claims

Event (FEMA name)	Claims
Flooding	87
Not a named storm	26
Central U.S. April Flooding	1

ZIP codes with the most claims

ZIP code (as reported)	Claims
45144	121
45693	14
45660	10
45684	8
45650	1

91 of the claims were on properties rated in a high-risk flood zone (zones starting A or V). Building $1.3 million, contents $144,587, increased cost of compliance $13,087.

Flood insurance take-up

	Homes	With NFIP policy	Share
High-risk flood zone	590	38	6.4%
All homes	14,866	50	0.3%

FEMA counts residential structures and NFIP residential policies in force as of 3 August 2026. Private flood policies are not counted. A share is shown as n/a where FEMA counts no homes or more policies than homes.

Flood insurance basics. Most standard homeowners policies do not cover flood damage. NFIP policies are sold through insurance agents and through FEMA's FloodSmart site, which also explains waiting periods (usually 30 days before cover starts). Check your property's flood zone on the FEMA Flood Map Service Center.

Sources

Checked 29 October 2026. Claims are NFIP claims only. Private flood insurance claims and uninsured losses are not included. Recent events can take months to be fully reflected.