Flood Claims Map

Ohio

Flood insurance claims in Guernsey County, Ohio

FEMA records 373 National Flood Insurance Program claims in Guernsey County, Ohio, since 1978, with $8.4 million paid in total. The year with the most claims was 2004, with 155. As of 3 August 2026, 0.4% of homes here had an NFIP policy, and 12.1% of homes in the high-risk flood zone did.

NFIP claims on record373
Total paid$8.4 million
Claims with a payment333
Homes with NFIP policy0.4%
High-risk zone homes insured12.1%
Residential policies in force86

Claims by year of loss

1978: 819781979: 151980: 271981: 101982: 019821983: 01984: 01985: 131986: 019861987: 01988: 01989: 01990: 319901991: 01992: 01993: 01994: 1219941995: 01996: 01997: 21998: 9619981999: 02000: 02001: 12002: 020022003: 02004: 1552005: 92006: 020062007: 12008: 02009: 02010: 720102011: 22012: 02013: 12014: 020142015: 12016: 02017: 02018: 020182019: 02020: 22021: 12022: 320222023: 02024: 32025: 02026: 12026155

NFIP claims by year of loss, Guernsey County, Ohio

1978: $13,57119781979: $283,4591980: $672,1631981: $29,3511982: $019821983: $01984: $01985: $42,9181986: $019861987: $01988: $01989: $01990: $56,10819901991: $01992: $01993: $01994: $754,75019941995: $01996: $01997: $2,4871998: $3.2 million19981999: $02000: $02001: $02002: $020022003: $02004: $3.0 million2005: $65,3202006: $020062007: $4,1372008: $02009: $02010: $59,80220102011: $13,0492012: $02013: $35,0002014: $020142015: $02016: $02017: $02018: $020182019: $02020: $15,4212021: $02022: $51,10120222023: $02024: $63,6692025: $02026: $02026$3.2 million

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

Named flood events with the most claims

Event (FEMA name)Claims
Flooding103
Tropical Storm Ivan31
Not a named storm13
Hurricane Ida1

ZIP codes with the most claims

ZIP code (as reported)Claims
43725195
4372375
4377352
4375516
4377211
437339
437496
437803
439251
437501

206 of the claims were on properties rated in a high-risk flood zone (zones starting A or V). Building $6.0 million, contents $2.4 million, increased cost of compliance $30,000.

Flood insurance take-up

HomesWith NFIP policyShare
High-risk flood zone6277612.1%
All homes21,677860.4%

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.