Enter any address in Miami County, Ohio to see its FEMA flood zone
Flash flooding from heavy rainfall events dominates the flood character of Miami County, OH. Between 2000 and 2020, NOAA data recorded 43 flood events and 23 flash flood events. For example, heavy rainfall associated with a stalled cold front caused flooding on July 1, 2025, and showers and thunderstorms along a southward-moving frontal boundary led to flooding on June 28, 2025.
National Flood Insurance Program (NFIP) claims data indicates that properties in Zone A have experienced the most claims, with an average payout of $14,073 and an average water depth of 9.5 feet. While Zone X_UNSHADED properties have also seen a significant number of claims, the average water depth was considerably lower at 4.1 feet, with an average payout of $14,054. Homeowners in Zone A, and those in areas prone to flash flooding, should pay the most attention to flood risk.
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.
Miami County, Ohio has recorded 66 flood-related events since 1996 according to NOAA's Storm Events Database, including 23 flash floods and 43 river or area floods. The county has received 15 federal disaster declarations. Enter any address above to check its FEMA flood zone designation.
FEMA Disaster Declarations (1977–2024)
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 |
| Severe Storms And Straight-line Winds | Severe Storm | Jun 29, 2012 |
| Severe Wind Storm Associated With Tropical Depression Ike | Severe Storm | Sep 14, 2008 |
| Hurricane Katrina Evacuation | Hurricane | Aug 29, 2005 |
| Severe Winter Storms, Flooding, And Mudslides | Severe Storm | Dec 22, 2004 |
| Snow | Snowstorm | Dec 22, 2004 |
NOAA Storm Events Database (1996–2025)
Source: NOAA National Weather Service Storm Events Database.
| Type | Date | Damage |
|---|---|---|
| Flood | Jun 28, 2025 | 0.00K |
| Flash Flood | Jul 1, 2025 | 0.00K |
| Flood | Feb 7, 2019 | 0.00K |
| Flood | Sep 8, 2018 | 0.00K |
| Flash Flood | Jun 23, 2017 | 0.00K |
| Flood | Nov 18, 2017 | 0.00K |
| Flood | Nov 5, 2017 | 0.00K |
| Flood | Jul 18, 2015 | 0.00K |
| Flood | Jul 14, 2015 | 0.00K |
| Flash Flood | May 21, 2014 | 1.00K |
Flood — Jun 28, 2025
Showers and thunderstorms developed along a frontal boundary that was moving south into the Ohio Valley.
Flash Flood — Jul 1, 2025
A cold front sagged down into the Ohio Valley region and eventually stalled out. This boundary was the focus for showers and thunderstorms to develop in a saturated environment, producing heavy rainfall, runoff, and flooding.
Flood — Feb 7, 2019
Several waves of low pressure moved along a stalled front, bringing a prolonged period of heavy rain. An isolated tornado also occurred as a convective segment moved through.
Flood — Sep 8, 2018
Showers with embedded thunderstorms spread into the area through the day as remnants from Tropical Storm Gordon approached from the west.
Flash Flood — Jun 23, 2017
The remnants of Tropical Storm Cindy lifted northeast across the region bringing heavy rain, with totals between 2.5 and 4.5 inches, and flash flooding.
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 Miami 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 Miami 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.