Flood Claims Map

Ohio

Flood insurance claims in Lucas County, Ohio

FEMA records 1,201 National Flood Insurance Program claims in Lucas County, Ohio, since 1978, with $7.7 million paid in total. The year with the most claims was 2006, with 161. As of 3 August 2026, 0.6% of homes here had an NFIP policy, and 18.9% of homes in the high-risk flood zone did.

NFIP claims on record1,201
Total paid$7.7 million
Claims with a payment821
Homes with NFIP policy0.6%
High-risk zone homes insured18.9%
Residential policies in force888

Claims by year of loss

1978: 6019781979: 71980: 1011981: 981982: 8219821983: 211984: 171985: 941986: 2019861987: 61988: 01989: 171990: 1519901991: 41992: 51993: 21994: 119941995: 21996: 11997: 241998: 4919981999: 12000: 1082001: 22002: 1220022003: 32004: 32005: 102006: 16120062007: 42008: 432009: 432010: 320102011: 282012: 02013: 122014: 2020142015: 772016: 22017: 22018: 1320182019: 22020: 52021: 42022: 220222023: 22024: 32025: 22026: 82026161

NFIP claims by year of loss, Lucas County, Ohio

1978: $35,50819781979: $5,4931980: $215,4621981: $333,9051982: $525,01319821983: $12,8671984: $4,6901985: $172,9251986: $19,10319861987: $23,6921988: $01989: $108,1721990: $47,85319901991: $13,0511992: $3,1921993: $16,7911994: $019941995: $1,1791996: $9,6781997: $37,2091998: $348,54819981999: $02000: $528,1742001: $02002: $50,11520022003: $7732004: $2,1342005: $71,6492006: $2.4 million20062007: $33,1402008: $361,7332009: $407,5932010: $2,00420102011: $332,2712012: $02013: $14,1362014: $166,28420142015: $1.0 million2016: $3,5442017: $13,3412018: $121,40020182019: $02020: $7,5632021: $4,6932022: $020222023: $6,0302024: $02025: $15,2262026: $201,0012026$2.4 million

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

Named flood events with the most claims

Event (FEMA name)Claims
Flooding98
Not a named storm1
Tropical Storm Erin1

ZIP codes with the most claims

ZIP code (as reported)Claims
43612172
43611159
43616155
43609146
43613113
4361593
4362369
4356646
4360742
4356035

757 of the claims were on properties rated in a high-risk flood zone (zones starting A or V). Building $6.8 million, contents $907,007, increased cost of compliance $0.

Flood insurance take-up

HomesWith NFIP policyShare
High-risk flood zone3,46365418.9%
All homes154,5218880.6%

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.