Flood insurance claims in Mercer County, Ohio

FEMA records 96 National Flood Insurance Program claims in Mercer County, Ohio, since 1980, with $1.3 million paid in total. The most claims in one year was 16, in 1993 and 2019. As of 3 August 2026, 0.4% of homes here had an NFIP policy, and 10.7% of homes in the high-risk flood zone did.

NFIP claims on record96

Total paid$1.3 million

Claims with a payment82

Homes with NFIP policy0.4%

High-risk zone homes insured10.7%

Residential policies in force56

Claims by year of loss

NFIP claims by year of loss, Mercer County, Ohio

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

Named flood events with the most claims

Event (FEMA name)	Claims
Late winter storms	7
Flooding	4

ZIP codes with the most claims

ZIP code (as reported)	Claims
45822	59
45846	28
45828	3
45866	2
45882	2
45862	2

58 of the claims were on properties rated in a high-risk flood zone (zones starting A or V). Building $1.1 million, contents $236,664, increased cost of compliance $0.

Flood insurance take-up

	Homes	With NFIP policy	Share
High-risk flood zone	299	32	10.7%
All homes	15,961	56	0.4%

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

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.