Flood Claims Map

Ohio

Flood insurance claims in Morgan County, Ohio

FEMA records 185 National Flood Insurance Program claims in Morgan County, Ohio, since 1978, with $2.0 million paid in total. The year with the most claims was 2005, with 46. As of 3 August 2026, 0.5% of homes here had an NFIP policy, and 4.9% of homes in the high-risk flood zone did.

NFIP claims on record185
Total paid$2.0 million
Claims with a payment156
Homes with NFIP policy0.5%
High-risk zone homes insured4.9%
Residential policies in force44

Claims by year of loss

1978: 119781979: 31980: 151981: 121982: 019821983: 11984: 01985: 21986: 019861987: 01988: 01989: 01990: 019901991: 01992: 01993: 01994: 019941995: 01996: 11997: 11998: 3119981999: 02000: 22001: 02002: 020022003: 22004: 352005: 462006: 020062007: 02008: 52009: 02010: 020102011: 32012: 02013: 12014: 120142015: 12016: 12017: 12018: 120182019: 62020: 02021: 02022: 320222023: 02024: 72025: 02026: 3202646

NFIP claims by year of loss, Morgan County, Ohio

1978: $67719781979: $1,0081980: $37,3151981: $21,0001982: $019821983: $01984: $01985: $1,9581986: $019861987: $01988: $01989: $01990: $019901991: $01992: $01993: $01994: $019941995: $01996: $2,4221997: $3,3881998: $317,39919981999: $02000: $8,6392001: $02002: $020022003: $02004: $382,3882005: $683,6252006: $020062007: $02008: $125,4802009: $02010: $020102011: $17,5902012: $02013: $10,4102014: $19420142015: $02016: $02017: $20,3682018: $20,00020182019: $109,6772020: $02021: $02022: $67,03320222023: $02024: $198,8602025: $02026: $7,0002026$683,625

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

Named flood events with the most claims

Event (FEMA name)Claims
Flooding40
March storm5
Tropical Storm Ivan5
Not a named storm4

ZIP codes with the most claims

ZIP code (as reported)Claims
43756108
4375833
4378731
457157
437312
457321
437011

113 of the claims were on properties rated in a high-risk flood zone (zones starting A or V). Building $1.8 million, contents $190,257, increased cost of compliance $40,845.

Flood insurance take-up

HomesWith NFIP policyShare
High-risk flood zone790394.9%
All homes9,213440.5%

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.