Flood insurance claims in Richland County, Ohio

FEMA records 329 National Flood Insurance Program claims in Richland County, Ohio, since 1978, with $9.8 million paid in total. The year with the most claims was 2007, with 102. As of 3 August 2026, 0.2% of homes here had an NFIP policy, and 19.9% of homes in the high-risk flood zone did.

NFIP claims on record329

Total paid$9.8 million

Claims with a payment288

Homes with NFIP policy0.2%

High-risk zone homes insured19.9%

Residential policies in force87

Claims by year of loss

NFIP claims by year of loss, Richland County, Ohio

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

Named flood events with the most claims

Event (FEMA name)	Claims
Flooding	78
Late winter storms	61
Tropical Storm Erin	8

ZIP codes with the most claims

ZIP code (as reported)	Claims
44875	155
44813	70
44902	32
44903	22
44822	14
44905	12
44907	5
44901	5
44904	3
44872	2

212 of the claims were on properties rated in a high-risk flood zone (zones starting A or V). Building $7.0 million, contents $2.8 million, increased cost of compliance $109,577.

Flood insurance take-up

	Homes	With NFIP policy	Share
High-risk flood zone	287	57	19.9%
All homes	45,760	87	0.2%

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.