405 flood insurance claims·$3.7M 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 Trumbull 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.
Flash flooding from summer thunderstorms dominates the flood character of Trumbull County, supported by 41 flash flood events and 31 general flood events recorded over the last 30 years, resulting in one recorded flash flood death. NOAA storm records illustrate this pattern, noting slow-moving thunderstorms and excessive rainfall that produced isolated flash flooding during an event in August 2025, as well as a multi-day humid weather pattern that triggered scattered multicell thunderstorms across northern Ohio in June 2024.
National Flood Insurance Program records show claims across multiple zones, indicating that flood risk extends beyond high-risk areas. Zone A accounts for the majority of historical claims with 242 filings, averaging an 8-inch recorded water depth and a $10,654 payout. Meanwhile, various Zone X designations account for 151 total claims with average water depths ranging from 4 to 6 inches and average payouts between $11,256 and $14,653.
Property owners in Zone A face the highest concentration of historical claims and should pay the closest attention, though residents in Zone X areas should also note that moderate flood losses have occurred outside of mapped high-risk zones.
Summary written from NOAA storm reports and NFIP claims for this county. Not a prediction.
26% of Trumbull County’s flood insurance claims were on properties rated outside FEMA’s high-risk zones.
328 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 7 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 2003, with 142 claims and $1.5M 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.
31 NOAA storm reports from Trumbull County describe what happened, in the words of the forecasters who covered it. Read the Ohio flood stories →
12 federal disaster declarations since 1969.
| Disaster | Began |
|---|---|
| Severe Storms | Jun 29, 2012 |
| Hurricane Katrina Evacuation | Aug 29, 2005 |
| Severe Storms And Flooding | Aug 27, 2004 |
| Power Outage | Aug 14, 2003 |
| Tornadoes, Flooding, Severe Storms, And High Winds | Jul 21, 2003 |
| Severe Storms, Tornadoes & Flooding | Jul 12, 1992 |
| Severe Storms, Tornadoes & Flooding | May 28, 1990 |
| Severe Storms & Tornadoes | May 31, 1985 |
Weather and water disasters only; most recent first. Source: OpenFEMA Disaster Declarations.
72 since 1996: 41 flash floods and 31 river or area floods.
| Event | Date | Damage |
|---|---|---|
| Flash Flood | Apr 25, 2025 | $20,000 |
| Flash Flood | Aug 13, 2025 | — |
| Flash Flood | Jun 18, 2024 | — |
| Flash Flood | Jun 18, 2024 | $25,000 |
| Flash Flood | Jun 18, 2024 | $100,000 |
| Flood | Feb 17, 2022 | $250,000 |
| Flash Flood | Aug 25, 2021 | $100,000 |
| Flash Flood | Aug 19, 2021 | $100,000 |
— = no damage estimate in the record. Source: NOAA Storm Events Database.
Flash Flood · Apr 25, 2025. Broad, quasi-zonal mid/upper level flow was present over the Great Lakes and Ohio Valley on April 25th, 2025, with surface low pressure slowly moving east across the southern Great Lakes. Northern Ohio was firmly entrenched in the warm sector of this system with a warm front just north of Lake Erie. Widespread rain showers with embedded thunderstorms developed across Northern Ohio during the afternoon hours as sur…
Flash Flood · Aug 13, 2025. A slow moving cold front moved west to east across northern Ohio during the afternoon and evening hours of August 13th, 2025. A warm and moist environment, characterized by MLCAPE values between 1500-2000 j/kg and precipitable water values near 1.8 inches, and weak deep layer shear promoted slow moving thunderstorms producing efficient rainfall. An area of slow moving and training thunderstorms produced excessive…
Flash Flood · Jun 18, 2024. Northern Ohio resided within the warm and humid sector along the northwestern flank of the Bermuda-Azores subtropical high during the late morning of the 17th through late evening of the 20th. In addition, a cold front drifted southeastward from the western Great Lakes to Lake Erie and northwest OH by the evening of the 20th.||Well-ahead of the the cold front, scattered multicell thunderstorms developed and persis…
Flood · Feb 17, 2022. A southeastward-moving surface cold front across southern Lower MI and northern IN approached northwest OH during the early morning of the 17th. The surface pressure gradient tightened in northwest OH as the cold frontal surface trough interacted with a surface ridge axis that remained anchored near the coast of the Carolinas and Georgia. This tightening surface pressure gradient and apparently relatively-deep mec…
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 Trumbull 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.