16 flood insurance claims·$206,055 paid·1 federal flood & hurricane disasters
Share of the whole county outline, rivers and lakes included; parts FEMA hasn’t mapped count as zero.
Shaded areas are FEMA’s mapped flood hazard zones in and around Clinton County, Ohio. Zoomed out they are simplified; at street level the map switches to FEMA’s exact layer. Tap anywhere to check that spot, or search an address above.
River flooding and flash flooding from slow-moving summer storms dominate Clinton County's flood profile, with the NOAA Storm Events Database recording 44 floods and 27 flash floods over the last 30 years, resulting in one death. Recent events illustrate this pattern, including heavy rainfall and localized flooding caused by a slow-moving cold front in July 2025, as well as scattered thunderstorms developing in a hot and humid airmass in June 2025.
Federal flood insurance claims data shows impacts spanning different zones, with National Flood Insurance Program records indicating eight claims in Zone A averaging 67 inches of recorded water depth and $7,967 per payout. Meanwhile, Zone X properties have recorded seven claims averaging 1 inch of water depth and higher payouts averaging $21,370, alongside one claim in an unknown zone averaging 1 inch of water depth and a $697 payout.
Property owners in designated high-risk riverine areas like Zone A, where average recorded water depths are substantial, should pay the closest attention to flood risks, though homeowners in Zone X should also note that significant financial losses can occur outside primary hazard zones.
Summary written from NOAA storm reports and NFIP claims for this county. Not a prediction.
In flood insurance claims here that reported a flood depth, the average was 41 inches.
Drawn to scale against an 80-inch door. Even a few inches soaks flooring, the bottom of the drywall and anything plugged in near the floor.
Average of the depths reported on claims (zero and implausible values left out); FEMA’s record doesn’t say exactly where each depth was measured. Source: OpenFEMA NFIP claims.
The worst year was 2025, with 4 claims and $113,351 paid.
Bar height is scaled by square root so ordinary years stay visible next to the worst one. NFIP claims by year of loss. Source: OpenFEMA.
1 NOAA storm reports from Clinton County describe what happened, in the words of the forecasters who covered it. Read the Ohio flood stories →
10 federal disaster declarations since 1968, 1 of them floods, coastal storms or hurricanes.
| Disaster | Began |
|---|---|
| Severe Storms | Jun 29, 2012 |
| Severe Wind Storm Associated With Tropical Depression Ike | Sep 14, 2008 |
| Record Snow And Near Record Snow | Mar 7, 2008 |
| Hurricane Katrina Evacuation | Aug 29, 2005 |
| Severe Storms And Flooding | Aug 27, 2004 |
| Blizzards & Snowstorms | Jan 26, 1978 |
| Snowstorms | Feb 2, 1977 |
| Heavy Rains & Flooding | Jun 5, 1968 |
Weather and water disasters only; most recent first. Source: OpenFEMA Disaster Declarations.
71 since 1996: 27 flash floods and 44 river or area floods.
| Event | Date | Damage |
|---|---|---|
| Flash Flood | Jun 28, 2025 | — |
| Flood | Jun 28, 2025 | — |
| Flood | Jun 26, 2025 | — |
| Flood | Feb 16, 2025 | — |
| Flood | Jul 14, 2025 | — |
| Flood | Feb 18, 2022 | — |
| Flash Flood | May 6, 2022 | $20,000 |
| Flood | May 6, 2022 | — |
— = no damage estimate in the record. Source: NOAA Storm Events Database.
Flash Flood · Jun 28, 2025. Showers and thunderstorms developed along a frontal boundary that was moving south into the Ohio Valley.
Flood · Jun 28, 2025. Showers and thunderstorms developed along a frontal boundary that was moving south into the Ohio Valley.
Flood · Jun 26, 2025. Scattered thunderstorms developed during the afternoon and evening hours in a hot and humid airmass that was in place across the Ohio Valley.
Flood · Feb 16, 2025. A low pressure system brought heavy rainfall to the region as it moved through the Ohio Valley.
National Weather Service narratives, lightly trimmed. Source: NOAA Storm Events Database.
Every colour on the map above is a place on this drawing: where the ground sits relative to the flood FEMA plans for.
If a building in Clinton County is in a high-risk zone (A or V) and its mortgage comes from a federally regulated or insured lender, or is federally backed, flood insurance is required.
Outside those zones it is optional, and often worth having: from 2014 to 2024 nearly one-third of NFIP claims came from outside the high-risk Special Flood Hazard Area. Since Risk Rating 2.0, NFIP premiums are set for each building, so the only reliable price is a quote: FloodSmart.gov or a local agent.