Flood Claims Map

Ohio

Flood insurance claims in Hamilton County, Ohio

FEMA records 1,950 National Flood Insurance Program claims in Hamilton County, Ohio, since 1978, with $34.1 million paid in total. The year with the most claims was 1997, with 238. As of 3 August 2026, 0.4% of homes here had an NFIP policy, and 23.7% of homes in the high-risk flood zone did.

NFIP claims on record1,950
Total paid$34.1 million
Claims with a payment1,476
Homes with NFIP policy0.4%
High-risk zone homes insured23.7%
Residential policies in force876

Claims by year of loss

1978: 17519781979: 1941980: 501981: 271982: 10419821983: 161984: 31985: 421986: 719861987: 71988: 31989: 111990: 3119901991: 101992: 71993: 391994: 2119941995: 131996: 751997: 2381998: 6019981999: 02000: 212001: 822002: 320022003: 612004: 262005: 372006: 220062007: 32008: 502009: 32010: 3120102011: 452012: 312013: 112014: 920142015: 322016: 82017: 362018: 11720182019: 172020: 212021: 252022: 1020222023: 22024: 92025: 882026: 372026238

NFIP claims by year of loss, Hamilton County, Ohio

1978: $332,03019781979: $580,6311980: $78,5701981: $55,4281982: $527,98919821983: $32,7711984: $152,5401985: $275,3781986: $4,16719861987: $8,1141988: $2,5001989: $13,9951990: $154,07319901991: $101,8871992: $6,5841993: $213,0001994: $112,50919941995: $54,3561996: $582,9771997: $6.9 million1998: $650,86519981999: $02000: $275,9162001: $2.2 million2002: $9,71520022003: $1.8 million2004: $265,9442005: $498,3022006: $1,18020062007: $02008: $982,3102009: $1,3842010: $359,38720102011: $805,2632012: $1.1 million2013: $250,4942014: $6,97620142015: $1.4 million2016: $74,1452017: $418,2712018: $4.3 million20182019: $798,7372020: $755,8362021: $932,0032022: $94,79120222023: $7,6902024: $384,5272025: $4.9 million2026: $563,4842026$6.9 million

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

Named flood events with the most claims

Event (FEMA name)Claims
Flooding264
Not a named storm177
Central U.S. April Flooding78
March storm45
Late winter storms1
Tropical Storm Ivan1

ZIP codes with the most claims

ZIP code (as reported)Claims
45226341
45230190
45244163
45227133
45239108
45241100
4500277
4523173
4503072
4523763

1,106 of the claims were on properties rated in a high-risk flood zone (zones starting A or V). Building $24.7 million, contents $9.4 million, increased cost of compliance $0.

Flood insurance take-up

HomesWith NFIP policyShare
High-risk flood zone2,52759823.7%
All homes249,6878760.4%

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.