Data · July 2026 data · 15-month trend
Ohio Flood Insurance Costs
Homeowners taking out or renewing NFIP flood coverage in Ohio paid an average premium of $1,065 in July 2026. That runs +8.1% above the national average of $986. That represents a 2.7% increase year over year. 1,929 policies were written or renewed statewide that month; Pickaway County was the priciest county at $2,522 on average.
What we measure: Average premium among policies newly written or renewed that month (NFIP transactions) — not the official in-force average. OpenFEMA transaction data is published on a lag of roughly two months; the latest period shown reflects that lag.
Key facts — July 2026
- Average premium
- $1,065
- Avg total cost (with fees)
- $1,381
- Change (year over year)
- +2.7%
- vs national average
- +8.1%
- Policies written or renewed
- 1,929
- Counties reporting
- 86
Ohio trend, last 15 months
Average premium among policies newly written or renewed each month. Bars scale to the highest month shown.
| Month | Avg premium | Premium relative to highest month | Avg total cost | Policies |
|---|---|---|---|---|
| May 2025 | $994 | $1,298 | 2,000 | |
| June 2025 | $1,080 | $1,405 | 1,929 | |
| July 2025 | $1,037 | $1,349 | 1,993 | |
| August 2025 | $1,124 | $1,456 | 2,136 | |
| September 2025 | $1,027 | $1,334 | 2,209 | |
| October 2025 | $1,031 | $1,349 | 2,044 | |
| November 2025 | $1,080 | $1,410 | 1,731 | |
| December 2025 | $1,040 | $1,362 | 1,717 | |
| January 2026 | $1,112 | $1,444 | 1,413 | |
| February 2026 | $1,137 | $1,481 | 1,607 | |
| March 2026 | $1,108 | $1,446 | 1,848 | |
| April 2026 | $1,063 | $1,387 | 1,929 | |
| May 2026 | $1,015 | $1,322 | 1,952 | |
| June 2026 | $1,133 | $1,463 | 1,796 | |
| July 2026 | $1,065 | $1,381 | 1,929 |
County breakdown — July 2026
Sorted by average premium, highest first. Rows labeled with a FIPS code are reporting areas without a matched county name. Watch the policy count before reading much into small-county averages.
| County | Avg premium | Premium relative to highest county | Avg total cost | Policies |
|---|---|---|---|---|
| Pickaway County | $2,522 | $3,133 | 8 | |
| Darke County | $2,259 | $2,776 | 6 | |
| Pike County | $2,217 | $2,800 | 8 | |
| Morgan County | $2,157 | $2,649 | 7 | |
| Washington County | $2,088 | $2,649 | 24 | |
| Seneca County | $1,932 | $2,389 | 6 | |
| Guernsey County | $1,885 | $2,480 | 11 | |
| Athens County | $1,818 | $2,323 | 30 | |
| Knox County | $1,805 | $2,277 | 9 | |
| Putnam County | $1,805 | $2,283 | 11 | |
| Hocking County | $1,777 | $2,256 | 18 | |
| Jefferson County | $1,770 | $2,183 | 10 | |
| Lawrence County | $1,578 | $2,014 | 31 | |
| Henry County | $1,554 | $1,980 | 6 | |
| Ashtabula County | $1,522 | $1,924 | 4 | |
| Coshocton County | $1,463 | $1,967 | 4 | |
| Hancock County | $1,454 | $1,841 | 42 | |
| FIPS 39000 | $1,452 | $2,010 | 1 | |
| Holmes County | $1,438 | $1,872 | 11 | |
| Columbiana County | $1,431 | $1,830 | 13 | |
| Ottawa County | $1,409 | $1,820 | 83 | |
| Lake County | $1,392 | $1,762 | 38 | |
| Hamilton County | $1,373 | $1,747 | 94 | |
| Muskingum County | $1,371 | $1,802 | 4 | |
| Carroll County | $1,365 | $1,683 | 5 | |
| Perry County | $1,295 | $1,618 | 13 | |
| Delaware County | $1,277 | $1,610 | 14 | |
| Clinton County | $1,258 | $1,589 | 7 | |
| Gallia County | $1,256 | $1,682 | 7 | |
| Butler County | $1,250 | $1,615 | 57 | |
| Clermont County | $1,228 | $1,592 | 22 | |
| Belmont County | $1,218 | $1,555 | 15 | |
| Vinton County | $1,201 | $1,489 | 2 | |
| Shelby County | $1,173 | $1,490 | 13 | |
| Defiance County | $1,171 | $1,454 | 2 | |
| Cuyahoga County | $1,166 | $1,494 | 104 | |
| Adams County | $1,159 | $1,472 | 7 | |
| Richland County | $1,155 | $1,467 | 7 | |
| Licking County | $1,143 | $1,474 | 45 | |
| Erie County | $1,135 | $1,458 | 39 | |
| Jackson County | $1,132 | $1,408 | 1 | |
| Franklin County | $1,099 | $1,405 | 109 | |
| Williams County | $1,085 | $1,380 | 8 | |
| Monroe County | $1,077 | $1,417 | 3 | |
| Meigs County | $1,067 | $1,395 | 7 | |
| Fairfield County | $1,051 | $1,357 | 40 | |
| Warren County | $1,037 | $1,346 | 45 | |
| Ross County | $1,016 | $1,346 | 9 | |
| Noble County | $1,011 | $1,265 | 1 | |
| Scioto County | $1,008 | $1,364 | 35 | |
| Auglaize County | $1,005 | $1,362 | 13 | |
| Wayne County | $999 | $1,377 | 16 | |
| Harrison County | $984 | $1,233 | 3 | |
| Fulton County | $942 | $1,204 | 11 | |
| Ashland County | $921 | $1,209 | 9 | |
| Sandusky County | $921 | $1,271 | 12 | |
| Mahoning County | $919 | $1,194 | 18 | |
| Tuscarawas County | $904 | $1,261 | 22 | |
| Marion County | $900 | $1,190 | 16 | |
| Brown County | $861 | $1,133 | 5 | |
| Wood County | $805 | $1,037 | 15 | |
| Champaign County | $803 | $1,036 | 13 | |
| Medina County | $802 | $1,050 | 21 | |
| Paulding County | $785 | $1,031 | 7 | |
| Allen County | $769 | $1,002 | 10 | |
| Van Wert County | $763 | $972 | 5 | |
| Clark County | $754 | $1,034 | 40 | |
| Geauga County | $751 | $958 | 8 | |
| Montgomery County | $751 | $990 | 91 | |
| Stark County | $741 | $947 | 35 | |
| Lucas County | $735 | $966 | 84 | |
| Hardin County | $717 | $975 | 4 | |
| Summit County | $708 | $953 | 85 | |
| Miami County | $698 | $912 | 28 | |
| Trumbull County | $696 | $902 | 26 | |
| Logan County | $688 | $971 | 29 | |
| Wyandot County | $670 | $881 | 12 | |
| Morrow County | $664 | $1,081 | 2 | |
| Union County | $661 | $888 | 11 | |
| Preble County | $661 | $852 | 7 | |
| Madison County | $643 | $830 | 3 | |
| Greene County | $628 | $846 | 41 | |
| Portage County | $624 | $851 | 21 | |
| Mercer County | $575 | $751 | 4 | |
| Huron County | $504 | $667 | 4 | |
| Lorain County | $380 | $542 | 102 |
Use this data
Download Ohio CSV (ohio.csv) — free to reuse with attribution. Read the full methodology for formulas, update cadence, and limitations. Source: FEMA OpenFEMA NFIP policy transaction data (NFIP Redacted Policies v3).
"Ohio Flood Insurance Costs." Out of the Storm News Flood Insurance Cost Index, July 2026, based on FEMA OpenFEMA NFIP policy transaction data. https://outofthestormnews.com/flood-insurance/costs/ohio
Related guides
Compare county data, then use the editorial guides to understand how NFIP coverage and pricing work in practice.