156 flood insurance claims·$1.6M 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 Greene 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.
Greene County experiences standard riverine flooding more frequently than flash flooding, with 60 flood events compared to 26 flash flood events recorded over the last 30 years. These events are often driven by widespread weather systems, such as the strong low pressure system that produced heavy rainfall in March 2023, and waves of low pressure moving along a stalled frontal boundary in April 2025.
Federal insurance claims data shows impacts across multiple flood zones. Zone A accounts for the highest volume and cost, with 90 claims averaging $22,836 and an average recorded water depth of 10 inches. Meanwhile, Zone X recorded 33 claims averaging $5,293 with a higher average water depth of 43 inches. Additional claims are distributed across Unknown, Unshaded X, and Shaded X zones, with average payouts ranging from $2,576 to $4,411 and average water depths between 1 and 2 inches.
Homeowners and real estate agents in high-risk riverine areas, designated as Zone A, should pay the closest attention to these flood risks given the high concentration and cost of claims. Properties located in Zone X also warrant careful review due to significant recorded water depths during past inundations.
Summary written from NOAA storm reports and NFIP claims for this county. Not a prediction.
6% of Greene County’s flood insurance claims were on properties rated outside FEMA’s high-risk zones.
97 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 12 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 1989, with 15 claims and $237,405 paid, the year of Severe Storms & Flooding.
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 Greene County describe what happened, in the words of the forecasters who covered it. Read the Ohio flood stories →
16 federal disaster declarations since 1968, 2 of them floods, coastal storms or hurricanes.
| Disaster | Began |
|---|---|
| Severe Storms, Straight-line Winds, Tornadoes, Flooding, Landslides, And Mudslide | May 27, 2019 |
| 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 |
| Snow | Dec 22, 2004 |
| Severe Storms And Flooding | Aug 27, 2004 |
| Severe Winter Storm And Record/near Record Snow | Feb 14, 2003 |
Weather and water disasters only; most recent first. Source: OpenFEMA Disaster Declarations.
86 since 1996: 26 flash floods and 60 river or area floods.
| Event | Date | Damage |
|---|---|---|
| Flash Flood | Jun 28, 2025 | — |
| Flood | Jun 16, 2025 | — |
| Flood | Jun 14, 2025 | — |
| Flood | Aug 13, 2025 | — |
| Flood | Apr 4, 2025 | — |
| Flood | Mar 25, 2023 | — |
| Flood | Feb 18, 2022 | $5,000 |
| Flood | Feb 17, 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 16, 2025. Slow moving thunderstorms produced locally heavy rain during the evening hours.
Flood · Jun 14, 2025. Scattered thunderstorms produced locally heavy rainfall during the evening hours.
Flood · Aug 13, 2025. Scattered thunderstorms produced locally heavy rainfall during the evening 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 Greene 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.