Enter any address in Clermont County, Ohio to see its FEMA flood zone
Flash flooding from thunderstorms is the dominant flood character in Clermont County, OH. Between 1993 and 2023, NOAA Storm Events data recorded 88 flash flood events and 66 flood events, which resulted in two fatalities. Recent flood events include those on January 3, 2023, and July 15, 2023, both associated with thunderstorms.
National Flood Insurance Program (NFIP) claims data shows that properties in Zone A have experienced a significant number of claims, with an average payout of $18,889 and an average water depth of 3.9 feet. Properties in Zone X and Zone X_SHADED have also seen substantial payouts, averaging $15,650 and $12,714 respectively, with higher average water depths of 5.8 feet and 8.7 feet. Homeowners in areas designated as Zone A, X, or X_SHADED, as well as those in areas without a defined Base Flood Elevation (BFE), should pay particular attention to flood risk.
Summary generated from NOAA storm narratives and NFIP claim data for this county. Not predictive.
8 NOAA storm reports from this county describe what happened, in the words of the meteorologists who were there.
Clermont County, Ohio has recorded 154 flood-related events since 1996 according to NOAA's Storm Events Database, including 88 flash floods and 66 river or area floods. The county has received 18 federal disaster declarations, 3 of which involved flooding or coastal storms. Enter any address above to check its FEMA flood zone designation.
FEMA Disaster Declarations (1968–2020)
Source: OpenFEMA Disaster Declarations Summaries.
| Declaration | Type | Date |
|---|---|---|
| Covid-19 | Biological | Jan 20, 2020 |
| Covid-19 Pandemic | Biological | Jan 20, 2020 |
| Severe Storms | Severe Storm | Jun 29, 2012 |
| Severe Storms And Flooding | Severe Storm | Apr 4, 2011 |
| Severe Wind Storm Associated With Tropical Depression Ike | Severe Storm | Sep 14, 2008 |
| Record Snow And Near Record Snow | Snowstorm | Mar 7, 2008 |
| Hurricane Katrina Evacuation | Hurricane | Aug 29, 2005 |
| Severe Winter Storms, Flooding, And Mudslides | Severe Storm | Dec 22, 2004 |
| Severe Storms And Flooding | Severe Storm | Aug 27, 2004 |
| Severe Storms And Flooding | Severe Storm | Jul 17, 2001 |
NOAA Storm Events Database (1996–2025)
Source: NOAA National Weather Service Storm Events Database.
| Type | Date | Damage |
|---|---|---|
| Flood | Apr 29, 2025 | 0.00K |
| Flash Flood | Jun 6, 2025 | 1.00K |
| Flood | Aug 28, 2024 | 0.00K |
| Flash Flood | Jul 18, 2023 | 0.00K |
| Flash Flood | Jul 18, 2023 | 20.00K |
| Flash Flood | Jul 18, 2023 | 5.00K |
| Flood | Jul 15, 2023 | 0.00K |
| Flood | Jan 12, 2023 | 0.00K |
| Flood | Jan 3, 2023 | 0.00K |
| Flood | Jan 3, 2023 | 10.00K |
Flood — Apr 29, 2025
Thunderstorms affected the region during the afternoon hours as a low pressure system moved east across the Ohio Valley.
Flash Flood — Jun 6, 2025
Isolated, slow moving showers and thunderstorms produced localized heavy rain and flooding.
Flood — Aug 28, 2024
Scattered thunderstorms developed during the afternoon hours along a frontal boundary located near the Ohio River.
Flash Flood — Jul 18, 2023
Scattered thunderstorms developed along a boundary that had stalled across the the Ohio Valley.
Flood — Jul 15, 2023
Scattered thunderstorms moved through the area during the morning hours in association with an upper level low pressure system.
Source: NOAA National Weather Service Storm Events Database.
Source: OpenFEMA NFIP Individual Claims (2.25M records analyzed).
FEMA assigns flood zone designations to areas in Clermont County, Ohio:
AE High Risk — 1% annual chance of flooding. Insurance required.
VE Very High Risk — Coastal flooding with wave action.
X (Shaded) Moderate Risk — 500-year floodplain.
X Low Risk — Outside major floodplains.
Properties in Clermont County, Ohio that are in FEMA-designated Special Flood Hazard Areas (zones A and V) with federally backed mortgages are required to carry flood insurance.
Even outside high-risk zones, flood insurance is recommended. From 2014 to 2024, nearly one-third of NFIP claims came from outside the high-risk Special Flood Hazard Area.
Visit FloodSmart.gov to find an agent and get a quote.