60 flood insurance claims·$216,323 paid·2 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 Coshocton 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.
Flash flooding from severe weather events dominates the flood risk profile in Coshocton County, accounting for 70 recorded events compared to 37 standard flood events over the last 30 years. Recent impacts include a widespread flash flood event on April 2, 2024, driven by a slow-moving trough that dropped four to five and a half inches of rain across the region over a four-day span. Another flash flood event occurred on August 17, 2024, resulting from a pre-frontal trough and convective development ahead of a cold frontal boundary.
National Flood Insurance Program records indicate that properties situated in high-risk Zone A face the most severe impacts, logging 25 claims with an average payout of $7,125 and an average recorded water depth of 28 inches. Additional claims have been recorded in Zone X (13 claims, averaging $5,658 and an average water depth of 2 inches) and zones classified as unknown (22 claims, averaging $1,876 and an average water depth of 3 inches).
Homeowners, real estate agents, and journalists should pay the closest attention to properties located within Zone A and areas prone to rapid accumulation from intense rainfall, as these locations experience the greatest water depths and financial losses.
Summary written from NOAA storm reports and NFIP claims for this county. Not a prediction.
Less than 1% of Coshocton County’s flood insurance claims were on properties rated outside FEMA’s high-risk zones.
25 NFIP claims with a recorded rated flood zone, 1978 to date. The zone is the one FEMA used to rate that policy, which may not match today’s map. Source: OpenFEMA NFIP claims.
In flood insurance claims here that reported a flood depth, the average was 13 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 1979, with 15 claims and $27,315 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.
31 NOAA storm reports from Coshocton County describe what happened, in the words of the forecasters who covered it. Read the Ohio flood stories →
16 federal disaster declarations since 1969, 2 of them floods, coastal storms or hurricanes.
| Disaster | Began |
|---|---|
| Severe Storms, Landslides, And Mudslides | Feb 14, 2018 |
| Severe Storms | Jun 29, 2012 |
| Severe Storms And Straight-line Winds | Jun 29, 2012 |
| Severe Wind Storm Associated With Tropical Depression Ike | Sep 14, 2008 |
| Hurricane Katrina Evacuation | Aug 29, 2005 |
| Severe Winter Storms, Flooding, And Mudslides | Dec 22, 2004 |
| Severe Storms And Flooding | Aug 27, 2004 |
| Severe Storms And Tornadoes | Nov 10, 2002 |
Weather and water disasters only; most recent first. Source: OpenFEMA Disaster Declarations.
107 since 1996: 70 flash floods and 37 river or area floods.
| Event | Date | Damage |
|---|---|---|
| Flash Flood | Aug 17, 2024 | $3,000 |
| Flash Flood | Apr 2, 2024 | — |
| Flash Flood | Jul 24, 2023 | — |
| Flood | Feb 17, 2022 | $5,000 |
| Flash Flood | Mar 28, 2020 | $10,000 |
| Flash Flood | Jul 30, 2019 | $25,000 |
| Flash Flood | Jul 30, 2019 | $10,000 |
| Flash Flood | Jun 20, 2019 | — |
— = no damage estimate in the record. Source: NOAA Storm Events Database.
Flash Flood · Aug 17, 2024. A slow-moving upper low over northern Lake Michigan shifted east while the the approach of a pre-frontal trough and destabilization resulted in convective development along and ahead of a cold frontal boundary. Colder and drier mid-levels allowed for MLCAPE values near 1000-2000 J/kg and mid-level lapse rates of 6-6.5 C/km. Effective shear was marginal, with values between 20 and 30 kts.
Flash Flood · Apr 2, 2024. Several rounds of showers and thunderstorms prompted a widespread flash flood problems across the Ohio River Valley on April 2nd to April 3rd. The synoptic pattern across the CONUS was a slow moving and deep elongated trough over the Great Plains phasing with a ejecting trough over the Midwest that created an area of converging moisture over eastern Ohio and western Pennsylvania. Overall, over a span of 4 days, fo…
Flash Flood · Jul 24, 2023. A cluster of thunderstorms formed over Ohio during the late afternoon and early evening hours of July 24th, as weak disturbances aloft sparked convection in an unstable atmosphere. The slow-moving storms impacted Coshocton County most keenly with wind damage and flash flooding.
Flood · Feb 17, 2022. A slow moving low pressure system brought unseasonable heavy rainfall to portions of our county warning area; 1.50 to 2 inches of rainfall was noted in eastern Ohio in 24 hours.
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 Coshocton 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.