150 flood insurance claims·$2.2M paid
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 Miami 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.
River flooding and flash flooding from slow-moving storms dominate the flood risk in Miami County, Ohio. Over the last 30 years, the NOAA Storm Events Database recorded 43 flood events and 23 flash flood events. Recent activity includes a flash flood on July 1, 2025, caused by a stalled cold front that produced heavy rainfall, runoff, and flooding, as well as general floods on June 28, 2025, and February 7, 2019, driven by frontal boundaries and waves of low pressure that brought prolonged heavy rain.
Federal insurance data shows that flood risks extend beyond high-risk areas. Zone A properties account for the highest impact with 82 claims averaging $22,965 and an average recorded water depth of 17 inches. However, properties in lower-risk zones also experience losses; unshaded Zone X properties recorded 34 claims with an average payout of $16,235 and an average depth of 7 inches, while shaded Zone X properties recorded 9 claims averaging $16,123 with an average depth of 9 inches.
Homeowners and real estate agents in Zone A, as well as those in unshaded and shaded Zone X areas, should pay the closest attention to flood preparedness, as historical claims confirm that properties outside high-risk zones frequently sustain flood damage.
Summary written from NOAA storm reports and NFIP claims for this county. Not a prediction.
34% of Miami County’s flood insurance claims were on properties rated outside FEMA’s high-risk zones.
125 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 2014, with 31 claims and $880,688 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.
2 NOAA storm reports from Miami County describe what happened, in the words of the forecasters who covered it. Read the Ohio flood stories →
15 federal disaster declarations since 1977.
| Disaster | Began |
|---|---|
| Tornadoes | Mar 14, 2024 |
| Severe Storms, Straight-line Winds, Tornadoes, Flooding, Landslides, And Mudslide | May 27, 2019 |
| 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 |
| Snow | Dec 22, 2004 |
Weather and water disasters only; most recent first. Source: OpenFEMA Disaster Declarations.
66 since 1996: 23 flash floods and 43 river or area floods.
| Event | Date | Damage |
|---|---|---|
| Flood | Jun 28, 2025 | — |
| Flash Flood | Jul 1, 2025 | — |
| Flood | Feb 7, 2019 | — |
| Flood | Sep 8, 2018 | — |
| Flash Flood | Jun 23, 2017 | — |
| Flood | Nov 18, 2017 | — |
| Flood | Nov 5, 2017 | — |
| Flood | Jul 18, 2015 | — |
— = no damage estimate in the record. Source: NOAA Storm Events Database.
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.
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 Miami 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.