Flood insurance claims in Union County, Ohio

FEMA records 56 National Flood Insurance Program claims in Union County, Ohio, since 1979, with $430,094 paid in total. The year with the most claims was 1997, with 16. As of 3 August 2026, 0.3% of homes here had an NFIP policy, and 15.5% of homes in the high-risk flood zone did.

NFIP claims on record56

Total paid$430,094

Claims with a payment45

Homes with NFIP policy0.3%

High-risk zone homes insured15.5%

Residential policies in force58

Claims by year of loss

NFIP claims by year of loss, Union County, Ohio

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

Named flood events with the most claims

Event (FEMA name)	Claims
Flooding	4
Late winter storms	3
Central U.S. April Flooding	1

ZIP codes with the most claims

ZIP code (as reported)	Claims
43040	23
43344	20
43064	9
43036	2
43045	1
43358	1

29 of the claims were on properties rated in a high-risk flood zone (zones starting A or V). Building $378,572, contents $51,522, increased cost of compliance $0.

Flood insurance take-up

	Homes	With NFIP policy	Share
High-risk flood zone	168	26	15.5%
All homes	22,008	58	0.3%

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.