Flood Claims Map

Ohio

Flood insurance claims in Erie County, Ohio

FEMA records 1,103 National Flood Insurance Program claims in Erie County, Ohio, since 1978, with $8.3 million paid in total. The year with the most claims was 1985, with 178. As of 3 August 2026, 1.2% of homes here had an NFIP policy, and 18.3% of homes in the high-risk flood zone did.

NFIP claims on record1,103
Total paid$8.3 million
Claims with a payment889
Homes with NFIP policy1.2%
High-risk zone homes insured18.3%
Residential policies in force414

Claims by year of loss

1978: 2519781979: 601980: 281981: 91982: 15719821983: 141984: 571985: 1781986: 1019861987: 1061988: 11989: 11990: 119901991: 31992: 21993: 41994: 3319941995: 71996: 501997: 161998: 8519981999: 32000: 22001: 12002: 120022003: 02004: 02005: 72006: 6320062007: 82008: 32009: 22010: 220102011: 212012: 62013: 112014: 1620142015: 152016: 02017: 22018: 1920182019: 242020: 62021: 192022: 220222023: 23178

NFIP claims by year of loss, Erie County, Ohio

1978: $34,25619781979: $68,8421980: $32,5251981: $4,3531982: $824,43819821983: $6,3601984: $97,1991985: $2.6 million1986: $5,00819861987: $299,9201988: $01989: $5001990: $55019901991: $2,8411992: $01993: $01994: $288,38419941995: $44,1481996: $312,3281997: $60,7481998: $696,80319981999: $9,0332000: $28,7302001: $02002: $1,36720022003: $02004: $02005: $46,8362006: $891,46020062007: $15,8672008: $2,1942009: $6,8492010: $7,63820102011: $228,7672012: $5,8162013: $71,1012014: $154,67920142015: $122,4672016: $02017: $7322018: $407,76120182019: $225,6812020: $54,7212021: $261,8652022: $93720222023: $364,429$2.6 million

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

Named flood events with the most claims

Event (FEMA name)Claims
Flooding222
Late winter storms16
Not a named storm9

ZIP codes with the most claims

ZIP code (as reported)Claims
44870457
44089347
44839196
4346452
448469
448145
431644
448244
448114
434383

884 of the claims were on properties rated in a high-risk flood zone (zones starting A or V). Building $6.4 million, contents $1.9 million, increased cost of compliance $30,000.

Flood insurance take-up

HomesWith NFIP policyShare
High-risk flood zone1,90434918.3%
All homes34,1524141.2%

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.