Flood Claims Map

Ohio

Flood insurance claims in Montgomery County, Ohio

FEMA records 347 National Flood Insurance Program claims in Montgomery County, Ohio, since 1978, with $2.1 million paid in total. The year with the most claims was 1989, with 47. As of 3 August 2026, 0.5% of homes here had an NFIP policy, and 25.4% of homes in the high-risk flood zone did.

NFIP claims on record347
Total paid$2.1 million
Claims with a payment210
Homes with NFIP policy0.5%
High-risk zone homes insured25.4%
Residential policies in force946

Claims by year of loss

1978: 519781979: 151980: 91981: 81982: 1019821983: 01984: 01985: 21986: 419861987: 01988: 01989: 471990: 1219901991: 31992: 11993: 31994: 419941995: 101996: 51997: 01998: 1219981999: 02000: 32001: 32002: 720022003: 82004: 252005: 232006: 220062007: 42008: 92009: 12010: 020102011: 162012: 12013: 152014: 720142015: 62016: 02017: 82018: 920182019: 42020: 142021: 32022: 220222023: 02024: 02025: 52026: 22202647

NFIP claims by year of loss, Montgomery County, Ohio

1978: $8,46119781979: $7,8591980: $34,0561981: $18,4411982: $14,74919821983: $01984: $01985: $11,2381986: $019861987: $01988: $01989: $217,7151990: $57,97319901991: $8,6921992: $01993: $4,8651994: $019941995: $53,3201996: $8,2601997: $01998: $27,15719981999: $02000: $2,0512001: $02002: $43,31020022003: $85,8872004: $131,3442005: $348,8702006: $99120062007: $13,1972008: $29,9302009: $02010: $020102011: $32,8592012: $02013: $233,6152014: $15,04520142015: $6,9422016: $02017: $120,3202018: $81,31720182019: $72,8122020: $155,0512021: $8,9422022: $8,19920222023: $02024: $02025: $144,0212026: $84,3162026$348,870

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

Named flood events with the most claims

Event (FEMA name)Claims
Flooding58
Not a named storm4
Central U.S. April Flooding2
March storm2
Tropical Storm Ivan1

ZIP codes with the most claims

ZIP code (as reported)Claims
4541440
4541533
4532730
4544930
4542020
4530920
4541919
4534218
4543914
4542614

214 of the claims were on properties rated in a high-risk flood zone (zones starting A or V). Building $1.9 million, contents $202,211, increased cost of compliance $0.

Flood insurance take-up

HomesWith NFIP policyShare
High-risk flood zone2,65567525.4%
All homes198,2499460.5%

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.