Enter any address in Montgomery County, Ohio to see its FEMA flood zone
Flash flooding from summer thunderstorms is the dominant flood character in Montgomery County, OH. Between 1993 and 2023, NOAA Storm Events data recorded 75 flood events and 47 flash flood events in the county. For example, scattered thunderstorms in a hot and humid airmass led to flood and flash flood events in June 2025.
National Flood Insurance Program (NFIP) claims data from Montgomery County shows a significant number of claims in Zone A, with an average payout of $7,913 and an average water depth of 2.5 feet. Claims in Zone X, which includes both shaded and unshaded areas, also occurred, with Zone X_UNSHADED having an average payout of $5,438 and an average water depth of 3.4 feet. Homeowners in Zone A, as well as those in Zone X and properties near rivers or streams, should pay close attention to flood risk.
Summary generated from NOAA storm narratives and NFIP claim data for this county. Not predictive.
4 NOAA storm reports from this county describe what happened, in the words of the meteorologists who were there.
Montgomery County, Ohio has recorded 122 flood-related events since 1996 according to NOAA's Storm Events Database, including 47 flash floods and 75 river or area floods. The county has received 13 federal disaster declarations, 2 of which involved flooding or coastal storms. Enter any address above to check its FEMA flood zone designation.
FEMA Disaster Declarations (1968–2020)
Source: OpenFEMA Disaster Declarations Summaries.
| Declaration | Type | Date |
|---|---|---|
| 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 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 |
| Severe Storms And Flooding | Severe Storm | Aug 27, 2004 |
| Severe Winter Storm And Record/near Record Snow | Severe Storm | Feb 14, 2003 |
NOAA Storm Events Database (1996–2025)
Source: NOAA National Weather Service Storm Events Database.
| Type | Date | Damage |
|---|---|---|
| Flood | Jun 28, 2025 | 0.00K |
| Flood | Jun 26, 2025 | 0.00K |
| Flash Flood | Jun 26, 2025 | 0.00K |
| Flood | Aug 21, 2022 | 0.00K |
| Flood | Aug 31, 2021 | 0.00K |
| Flood | Jun 30, 2021 | 0.00K |
| Flash Flood | Aug 26, 2021 | 10.00K |
| Flood | Aug 26, 2021 | 0.00K |
| Flash Flood | Aug 26, 2021 | 0.00K |
| Flash Flood | Mar 20, 2020 | 0.00K |
Flood — Jun 28, 2025
Showers and thunderstorms developed along a frontal boundary that was moving south into the Ohio Valley.
Flood — Jun 26, 2025
Scattered thunderstorms developed during the afternoon and evening hours in a hot and humid airmass that was in place across the Ohio Valley.
Flash Flood — Jun 26, 2025
Scattered thunderstorms developed during the afternoon and evening hours in a hot and humid airmass that was in place across the Ohio Valley.
Flood — Aug 21, 2022
Showers and thunderstorms developed ahead of a low pressure system moving through the Ohio Valley.
Flood — Aug 31, 2021
Showers and embedded thunderstorms associated with the remnants of Hurricane Ida produced locally heavy rain through the day.
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 Montgomery 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 Montgomery 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.