Enter any address in Mercer County, Ohio to see its FEMA flood zone
Flooding from showers and thunderstorms is the dominant flood character in Mercer County. Between 1994 and 2024, NOAA Storm Events data recorded 78 flood events and 27 flash flood events. Recent examples include flooding on March 3, 2023, and April 11, 2024, both attributed to low-pressure systems and showers.
NFIP claims data indicates that while Zone A areas have seen more claims, properties in Zone X have experienced higher average payouts. Homeowners in Zone A, which typically represents areas of higher flood risk, should be particularly aware of their potential exposure. Those residing in Zone X and Zone X_Unshaded areas have also filed claims, suggesting that flood risk is not confined to the most commonly designated high-risk zones. Residents in all flood zones, especially those without a Base Flood Elevation (BFE) designation, should pay close attention to flood risk information.
Summary generated from NOAA storm narratives and NFIP claim data for this county. Not predictive.
2 NOAA storm reports from this county describe what happened, in the words of the meteorologists who were there.
Mercer County, Ohio has recorded 105 flood-related events since 1996 according to NOAA's Storm Events Database, including 27 flash floods and 78 river or area floods. The county has received 14 federal disaster declarations, 1 of which involved flooding or coastal storms. Enter any address above to check its FEMA flood zone designation.
FEMA Disaster Declarations (1965–2024)
Source: OpenFEMA Disaster Declarations Summaries.
| Declaration | Type | Date |
|---|---|---|
| Tornadoes | Tornado | Mar 14, 2024 |
| Covid-19 | Biological | Jan 20, 2020 |
| Covid-19 Pandemic | Biological | Jan 20, 2020 |
| Severe Storms, Straight-line Winds, Tornadoes, Flooding, Landslides, And Mudslide | Tornado | May 27, 2019 |
| Severe Storms | Severe Storm | Jun 29, 2012 |
| 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 4, 2003 |
| Severe Storms And Flooding | Severe Storm | Aug 7, 1995 |
NOAA Storm Events Database (1996–2025)
Source: NOAA National Weather Service Storm Events Database.
| Type | Date | Damage |
|---|---|---|
| Flood | Apr 11, 2024 | 0.00K |
| Flood | Mar 3, 2023 | 0.00K |
| Flood | Jun 12, 2022 | 0.00K |
| Flood | Mar 18, 2021 | 0.00K |
| Flood | Sep 8, 2020 | 5.00K |
| Flood | Jul 8, 2020 | 0.00K |
| Flash Flood | Sep 7, 2020 | 0.00K |
| Flood | Apr 28, 2019 | 0.00K |
| Flood | Apr 26, 2019 | 100.00K |
| Flood | Apr 26, 2019 | 0.00K |
Flood — Apr 11, 2024
A low pressure system moving through the Ohio River Valley resulted in occasional showers and thunderstorms.
Flood — Mar 3, 2023
Showers and scattered thunderstorms developed during the afternoon hours ahead of a strong low pressure system moving through the Ohio Valley.
Flood — Jun 12, 2022
Scattered showers and thunderstorms developed during the late afternoon and early evening hours as an upper level disturbance moved through the region.
Flood — Mar 18, 2021
A low pressure system moving through the Ohio Valley produced widespread rain through the day.
Flood — Sep 8, 2020
Showers and thunderstorms developed during the afternoon and evening hours along a stalled frontal boundary that was stretching across central Ohio. The thunderstorms continued into the early morning hours of the 8th, producing areas of heavy rain.
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 Mercer 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 Mercer 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.