34 flood insurance claims·$165,845 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 Fulton 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.
Less than 1% of Fulton County’s flood insurance claims were on properties rated outside FEMA’s high-risk zones.
29 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 16 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 2009, with 4 claims and $26,662 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.
3 NOAA storm reports from Fulton County describe what happened, in the words of the forecasters who covered it. Read the Ohio flood stories →
9 federal disaster declarations since 1969, 1 of them floods, coastal storms or hurricanes.
| Disaster | Began |
|---|---|
| Severe Storms | Jun 29, 2012 |
| Hurricane Katrina Evacuation | Aug 29, 2005 |
| Severe Storms And Flooding | Aug 27, 2004 |
| Severe Storms, Tornadoes & Flooding | Jul 12, 1992 |
| Severe Storms & Flooding | Mar 12, 1982 |
| Blizzards & Snowstorms | Jan 26, 1978 |
| Tornadoes, Severe Storms & Flooding | Jul 15, 1969 |
Weather and water disasters only; most recent first. Source: OpenFEMA Disaster Declarations.
14 since 1996: 12 flash floods and 2 river or area floods.
| Event | Date | Damage |
|---|---|---|
| Flood | Apr 3, 2025 | $1,000 |
| Flash Flood | Aug 14, 2020 | — |
| Flood | Jun 27, 2015 | — |
| Flash Flood | Jul 3, 2008 | $5,000 |
| Flash Flood | May 12, 2002 | — |
| Flash Flood | Aug 24, 1998 | $150,000 |
| Flash Flood | Feb 17, 1998 | — |
| Flash Flood | Jun 30, 1997 | $10,000 |
— = no damage estimate in the record. Source: NOAA Storm Events Database.
Flood · Apr 3, 2025. The atmosphere was primed for severe weather during the afternoon and evening hours of April 2nd. 0-1 km SRH values of 300 to 500 m2/s2, 60 to 70 kts of shear and MLCAPE of around 1000 J/KG set the stage for numerous thunderstorms. Damage reports were not as widespread, but those that occurred tended to be in swaths related to cold pools from bowing segments or tornadoes. Eight tornadoes (three in northern Indian…
Flash Flood · Aug 14, 2020. Weak upper low and surface wave/inverted trough moved into far NE IN/far west central Lower MI and NW Ohio. Large theta E deficit kept storms in check across Indiana and Michigan, but a few storms produced marginally severe weather in northwestern Ohio.
Flood · Jun 27, 2015. Thunderstorms produced torrential rainfall in portions of northwestern Ohio. A combination of upstream rainfall in Fort Wayne, Indiana and rainfall across Putnam county set the stage for flash flooding in the town of Payne, forcing evacuation of parts of the town as several inches of rain fell both upstream in Indiana and over the area. A similar scenario took place in Deshler (Henry county) where a care facility…
Flash Flood · Jul 3, 2008. Numerous thunderstorms moved into northwestern Ohio during the overnight hours of July 2nd into July 3rd. Reports of flash flooding were received in Fulton County.
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 Fulton 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.