Flood insurance claims in Putnam County, Ohio

FEMA records 461 National Flood Insurance Program claims in Putnam County, Ohio, since 1978, with $10.1 million paid in total. The year with the most claims was 2007, with 193. As of 3 August 2026, 0.8% of homes here had an NFIP policy, and 20.5% of homes in the high-risk flood zone did.

NFIP claims on record461

Total paid$10.1 million

Claims with a payment396

Homes with NFIP policy0.8%

High-risk zone homes insured20.5%

Residential policies in force110

Claims by year of loss

NFIP claims by year of loss, Putnam County, Ohio

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

Named flood events with the most claims

Event (FEMA name)	Claims
Flooding	59
Late winter storms	27
Tropical Storm Erin	3

ZIP codes with the most claims

ZIP code (as reported)	Claims
45875	440
45830	10
45853	5
45877	2
45827	1
45856	1
45876	1

326 of the claims were on properties rated in a high-risk flood zone (zones starting A or V). Building $8.9 million, contents $570,152, increased cost of compliance $618,554.

Flood insurance take-up

	Homes	With NFIP policy	Share
High-risk flood zone	435	89	20.5%
All homes	14,345	110	0.8%

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.