Flood Claims Map

Ohio

Flood insurance claims in Shelby County, Ohio

FEMA records 97 National Flood Insurance Program claims in Shelby County, Ohio, since 1979, with $1.6 million paid in total. The year with the most claims was 2003, with 17. As of 3 August 2026, 0.7% of homes here had an NFIP policy, and 19.5% of homes in the high-risk flood zone did.

NFIP claims on record97
Total paid$1.6 million
Claims with a payment68
Homes with NFIP policy0.7%
High-risk zone homes insured19.5%
Residential policies in force115

Claims by year of loss

1979: 119791980: 11981: 01982: 21983: 019831984: 01985: 01986: 01987: 019871988: 01989: 01990: 131991: 019911992: 121993: 01994: 01995: 1019951996: 11997: 11998: 21999: 019992000: 02001: 02002: 02003: 1720032004: 02005: 52006: 12007: 020072008: 02009: 02010: 02011: 920112012: 02013: 142014: 12015: 120152016: 02017: 02018: 12019: 220192020: 317

NFIP claims by year of loss, Shelby County, Ohio

1979: $019791980: $01981: $01982: $01983: $019831984: $01985: $01986: $01987: $019871988: $01989: $01990: $16,1291991: $019911992: $73,7291993: $01994: $01995: $69,39519951996: $01997: $01998: $01999: $019992000: $02001: $02002: $02003: $40,12720032004: $02005: $17,7902006: $02007: $020072008: $02009: $02010: $02011: $101,82320112012: $02013: $149,1582014: $02015: $9,69020152016: $02017: $02018: $3,8332019: $1.0 million20192020: $84,116$1.0 million

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

Named flood events with the most claims

Event (FEMA name)Claims
Flooding26
Late winter storms9

ZIP codes with the most claims

ZIP code (as reported)Claims
4536568
4586516
458454
453603
453062
453341
453631
453021
453561

79 of the claims were on properties rated in a high-risk flood zone (zones starting A or V). Building $1.0 million, contents $518,312, increased cost of compliance $0.

Flood insurance take-up

HomesWith NFIP policyShare
High-risk flood zone53310419.5%
All homes17,6741150.7%

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.