Flood insurance claims in Wayne County, Ohio

FEMA records 175 National Flood Insurance Program claims in Wayne County, Ohio, since 1978, with $2.8 million paid in total. The year with the most claims was 1979, with 62. As of 3 August 2026, 0.3% of homes here had an NFIP policy, and 15.1% of homes in the high-risk flood zone did.

NFIP claims on record175

Total paid$2.8 million

Claims with a payment132

Homes with NFIP policy0.3%

High-risk zone homes insured15.1%

Residential policies in force126

Claims by year of loss

NFIP claims by year of loss, Wayne County, Ohio

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

Named flood events with the most claims

Event (FEMA name)	Claims
Late winter storms	26
Flooding	9

ZIP codes with the most claims

ZIP code (as reported)	Claims
44691	70
44270	54
44606	20
44667	12
44627	5
44676	3
44230	3
44677	2
44273	2
44217	1

92 of the claims were on properties rated in a high-risk flood zone (zones starting A or V). Building $1.9 million, contents $890,306, increased cost of compliance $0.

Flood insurance take-up

	Homes	With NFIP policy	Share
High-risk flood zone	616	93	15.1%
All homes	45,545	126	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.