Ohio Home-Insurance Distress by County

Ohio reads below the national norm for home-insurance distress — 88 counties averaging 19/100, 40th of 52 states.

Ohio's reading rests on a FEMA hazard average of 4/100 and NFIP flood-claim stress of 47/100.

Over three years Ohio counties filed 659 NFIP flood claims, $16,010,445 paid.

Highest in Ohio: Hamilton County 69/100 (#657 US), Clermont County 66/100 (#734 US), Franklin County 64/100 (#805 US), Muskingum County 63/100 (#817 US), Morgan County 63/100 (#828 US).

Ohio counties by insurance band: 55 low (Ohio), 26 zero, 7 medium; Ohio NFIP claims, three years: 659; Ohio payouts $16.0 million.

Ohio counties with the most NFIP claims: Hamilton 134 ($5.8 million); Franklin 74 ($541,093); Summit 51 ($1.8 million) in Ohio; Washington 28 ($518,240); Montgomery 27 ($228,338).

Ohio county average rose: 13.3 in March 2026; Ohio reads 18.9 in October 2026; Ohio by month: March 13.3, April 13.3, May 14.1 (Ohio), June 14.1, July 14.1, August 14.1 (Ohio), September 14.1, October 18.9.

Highest Ohio ZIPs, insurance distress: 33955 81 (climate 94), 33954 81 (climate 94) in Ohio, 33983 81 (climate 94), 33950 81 (climate 94) in Ohio, 33982 81 (climate 94), 33947 81 (climate 94) in Ohio.

Reading the Ohio bands: 0 of 88 Ohio counties sit in a high or worse insurance band; Ohio filed 659 NFIP claims in three years, $16.0 million paid to Ohio policyholders; a Ohio county's band moves when FEMA hazard revisions, new Ohio NFIP settlements or carrier filings change its monthly score.