Flood Claims Map

Ohio

Flood insurance claims in Cuyahoga County, Ohio

FEMA records 1,730 National Flood Insurance Program claims in Cuyahoga County, Ohio, since 1978, with $35.3 million paid in total. The year with the most claims was 2011, with 209. As of 3 August 2026, 0.2% of homes here had an NFIP policy, and 37.5% of homes in the high-risk flood zone did.

NFIP claims on record1,730
Total paid$35.3 million
Claims with a payment1,250
Homes with NFIP policy0.2%
High-risk zone homes insured37.5%
Residential policies in force858

Claims by year of loss

1978: 7319781979: 1521980: 891981: 581982: 2719821983: 441984: 121985: 71986: 2019861987: 141988: 21989: 611990: 10019901991: 31992: 131993: 61994: 12119941995: 71996: 161997: 361998: 1119981999: 32000: 92001: 42002: 120022003: 392004: 622005: 142006: 11820062007: 242008: 212009: 52010: 320102011: 2092012: 292013: 152014: 10020142015: 302016: 42017: 172018: 1920182019: 162020: 782021: 72022: 520222023: 112024: 72025: 72026: 12026209

NFIP claims by year of loss, Cuyahoga County, Ohio

1978: $100,39319781979: $1.1 million1980: $123,9411981: $81,7971982: $141,61319821983: $49,2821984: $105,2361985: $12,8341986: $14,41119861987: $21,9121988: $4,5001989: $253,3571990: $1.3 million19901991: $01992: $176,6041993: $5,3701994: $2.7 million19941995: $75,8841996: $232,6291997: $648,7581998: $78,27619981999: $12,8582000: $63,8212001: $3592002: $1,02220022003: $701,0652004: $1.7 million2005: $59,8982006: $8.3 million20062007: $324,9742008: $264,0372009: $38,7872010: $2,35920102011: $7.4 million2012: $344,9232013: $433,4372014: $1.5 million20142015: $109,4342016: $02017: $214,0532018: $761,00220182019: $279,7422020: $3.5 million2021: $75,8172022: $020222023: $1.1 million2024: $556,3492025: $113,6782026: $1,6272026$8.3 million

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

Named flood events with the most claims

Event (FEMA name)Claims
Late winter storms134
Flooding118
Not a named storm13
Central U.S. April Flooding2

ZIP codes with the most claims

ZIP code (as reported)Claims
44125409
44131215
4412289
4413076
4414670
4407069
4413368
4410764
4411647
4412044

897 of the claims were on properties rated in a high-risk flood zone (zones starting A or V). Building $22.9 million, contents $12.1 million, increased cost of compliance $240,000.

Flood insurance take-up

HomesWith NFIP policyShare
High-risk flood zone80230137.5%
All homes441,2108580.2%

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

  1. FEMA, OpenFEMA FIMA NFIP Redacted Claims (v2 dataset, API v3 NfipClaims), 2,725,989 claim records, retrieved 29 October 2026
  2. FEMA, OpenFEMA NFIP Residential Penetration Rates, as of 3 August 2026

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.