Flood insurance claims in Madison County, Ohio

FEMA records 22 National Flood Insurance Program claims in Madison County, Ohio, since 1979, with $149,444 paid in total. The year with the most claims was 1997, with 6. As of 3 August 2026, 0.3% of homes here had an NFIP policy, and 15.7% of homes in the high-risk flood zone did.

NFIP claims on record22

Total paid$149,444

Claims with a payment17

Homes with NFIP policy0.3%

High-risk zone homes insured15.7%

Residential policies in force38

Claims by year of loss

NFIP claims by year of loss, Madison County, Ohio

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

ZIP codes with the most claims

ZIP code (as reported)	Claims
43140	14
43064	6
43162	1
43143	1

9 of the claims were on properties rated in a high-risk flood zone (zones starting A or V). Building $125,081, contents $24,362, increased cost of compliance $0.

Flood insurance take-up

	Homes	With NFIP policy	Share
High-risk flood zone	115	18	15.7%
All homes	13,342	38	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.