Flood insurance claims in Darke County, Ohio

FEMA records 35 National Flood Insurance Program claims in Darke County, Ohio, since 1982, with $237,584 paid in total. The year with the most claims was 1989, with 5. As of 3 August 2026, 0.3% of homes here had an NFIP policy, and 20.1% of homes in the high-risk flood zone did.

NFIP claims on record35

Total paid$237,584

Claims with a payment22

Homes with NFIP policy0.3%

High-risk zone homes insured20.1%

Residential policies in force69

Claims by year of loss

NFIP claims by year of loss, Darke County, Ohio

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

Named flood events with the most claims

Event (FEMA name)	Claims
Flooding	3
Central U.S. April Flooding	1

ZIP codes with the most claims

ZIP code (as reported)	Claims
45331	17
45380	8
45304	7
45303	1
45390	1
45846	1

23 of the claims were on properties rated in a high-risk flood zone (zones starting A or V). Building $211,210, contents $26,374, increased cost of compliance $0.

Flood insurance take-up

	Homes	With NFIP policy	Share
High-risk flood zone	274	55	20.1%
All homes	20,578	69	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.