Enter any address in Warren County, Ohio to see its FEMA flood zone
Flash flooding from heavy rainfall events dominates the flood character in Warren County. Between 1993 and 2023, NOAA data recorded 99 flood events and 64 flash flood events, resulting in 3 fatalities. For example, on July 18, 2025, showers and thunderstorms developed along a stalled cold front, producing heavy rainfall and flooding. Similar conditions were observed on multiple occasions that same day.
National Flood Insurance Program (NFIP) claims data from Warren County shows that properties in Zone A experienced 109 claims with an average payout of $10,561 and an average water depth of 4.2 feet. Properties in Zone X_UNSHADED had 19 claims with an average payout of $4,147 and an average water depth of 6.7 feet. Homeowners in Zone A and Zone X_UNSHADED, as well as those located near rivers or streams, should pay the most attention to flood risk.
Summary generated from NOAA storm narratives and NFIP claim data for this county. Not predictive.
7 NOAA storm reports from this county describe what happened, in the words of the meteorologists who were there.
Warren County, Ohio has recorded 163 flood-related events since 1996 according to NOAA's Storm Events Database, including 64 flash floods and 99 river or area floods. The county has received 13 federal disaster declarations, 3 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 | 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 Storms & Flooding | Flood | May 23, 1989 |
| Blizzards & Snowstorms | Snowstorm | Jan 26, 1978 |
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 | Jun 28, 2025 | 20.00K |
| Flash Flood | Jun 28, 2025 | 0.00K |
| Flash Flood | Jul 18, 2025 | 0.00K |
| Flood | Jul 18, 2025 | 0.00K |
| Flash Flood | Jul 18, 2025 | 15.00K |
| Flood | Feb 16, 2025 | 0.00K |
| Flood | Apr 4, 2025 | 0.00K |
| Flash Flood | Jul 27, 2023 | 0.00K |
| Flood | Jul 27, 2023 | 0.00K |
Flood — Jun 28, 2025
Showers and thunderstorms developed along a frontal boundary that was moving south into the Ohio Valley.
Flash Flood — Jun 28, 2025
Showers and thunderstorms developed along a frontal boundary that was moving south into the Ohio Valley.
Flash Flood — Jul 18, 2025
A cold front sagged down through the Ohio Valley region, stalling out as a stationary front. Showers and thunderstorms developed along this boundary in a very moist environment, producing heavy rainfall and flooding.
Flood — Jul 18, 2025
A cold front sagged down through the Ohio Valley region, stalling out as a stationary front. Showers and thunderstorms developed along this boundary in a very moist environment, producing heavy rainfall and flooding.
Flood — Feb 16, 2025
A low pressure system brought heavy rainfall to the region as it moved through the Ohio Valley.
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 Warren 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 Warren 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.