Data · June 2026 data · 14-month trend
Ohio Flood Insurance Costs
Homeowners taking out or renewing NFIP flood coverage in Ohio paid an average premium of $1,133 in June 2026. That runs +13.1% above the national average of $1,001. That represents a 4.8% increase year over year. 1,796 policies were written or renewed statewide that month; Highland County was the priciest county at $7,189 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 — June 2026
- Average premium
- $1,133
- Avg total cost (with fees)
- $1,463
- Change (year over year)
- +4.8%
- vs national average
- +13.1%
- Policies written or renewed
- 1,796
- Counties reporting
- 86
Ohio trend, last 14 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 |
County breakdown — June 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 |
|---|---|---|---|---|
| Highland County | $7,189 | $8,780 | 1 | |
| Union County | $7,122 | $8,589 | 2 | |
| Hocking County | $2,813 | $3,467 | 15 | |
| Henry County | $2,375 | $2,950 | 3 | |
| Ashland County | $1,952 | $2,426 | 9 | |
| Hardin County | $1,788 | $2,294 | 2 | |
| Noble County | $1,679 | $2,222 | 4 | |
| Tuscarawas County | $1,672 | $2,109 | 14 | |
| Franklin County | $1,553 | $1,956 | 118 | |
| Clark County | $1,528 | $1,963 | 28 | |
| Hamilton County | $1,522 | $1,932 | 112 | |
| Hancock County | $1,513 | $1,935 | 41 | |
| Wayne County | $1,508 | $1,932 | 14 | |
| Licking County | $1,476 | $1,885 | 38 | |
| Muskingum County | $1,474 | $1,856 | 5 | |
| Clermont County | $1,447 | $1,855 | 18 | |
| Pike County | $1,436 | $1,798 | 7 | |
| Meigs County | $1,432 | $1,790 | 16 | |
| Knox County | $1,431 | $1,761 | 8 | |
| Jefferson County | $1,411 | $1,738 | 9 | |
| Brown County | $1,403 | $1,759 | 7 | |
| Lawrence County | $1,377 | $1,779 | 33 | |
| Erie County | $1,345 | $1,738 | 40 | |
| Delaware County | $1,331 | $1,669 | 17 | |
| Warren County | $1,316 | $1,672 | 38 | |
| Belmont County | $1,314 | $1,648 | 18 | |
| Ashtabula County | $1,295 | $1,632 | 7 | |
| Adams County | $1,279 | $1,638 | 4 | |
| Athens County | $1,279 | $1,656 | 18 | |
| Holmes County | $1,274 | $1,631 | 4 | |
| Washington County | $1,253 | $1,639 | 36 | |
| Morgan County | $1,248 | $1,545 | 4 | |
| Fulton County | $1,241 | $1,706 | 4 | |
| Coshocton County | $1,238 | $1,598 | 7 | |
| Butler County | $1,228 | $1,574 | 65 | |
| Paulding County | $1,209 | $1,498 | 4 | |
| Ottawa County | $1,208 | $1,587 | 63 | |
| Wood County | $1,202 | $1,491 | 12 | |
| Putnam County | $1,172 | $1,568 | 12 | |
| Defiance County | $1,168 | $1,563 | 2 | |
| Trumbull County | $1,151 | $1,505 | 33 | |
| Columbiana County | $1,131 | $1,469 | 18 | |
| Shelby County | $1,068 | $1,374 | 16 | |
| Darke County | $1,068 | $1,382 | 9 | |
| Carroll County | $1,059 | $1,322 | 3 | |
| Lake County | $1,048 | $1,341 | 21 | |
| Monroe County | $1,045 | $1,418 | 2 | |
| Pickaway County | $1,039 | $1,298 | 8 | |
| Preble County | $1,037 | $1,315 | 12 | |
| Clinton County | $1,025 | $1,281 | 8 | |
| Scioto County | $1,019 | $1,310 | 19 | |
| Harrison County | $1,013 | $1,267 | 1 | |
| Stark County | $997 | $1,291 | 32 | |
| Fayette County | $996 | $1,416 | 4 | |
| Richland County | $977 | $1,281 | 12 | |
| Seneca County | $957 | $1,201 | 3 | |
| Gallia County | $907 | $1,309 | 31 | |
| Miami County | $896 | $1,169 | 17 | |
| Guernsey County | $895 | $1,184 | 12 | |
| Fairfield County | $892 | $1,172 | 47 | |
| Champaign County | $883 | $1,142 | 8 | |
| Jackson County | $872 | $1,101 | 6 | |
| Cuyahoga County | $845 | $1,108 | 75 | |
| Portage County | $843 | $1,088 | 11 | |
| Ross County | $843 | $1,098 | 7 | |
| Lucas County | $825 | $1,084 | 83 | |
| Sandusky County | $814 | $1,070 | 12 | |
| Marion County | $812 | $1,043 | 17 | |
| Perry County | $808 | $1,074 | 14 | |
| Greene County | $773 | $1,029 | 40 | |
| Summit County | $765 | $1,029 | 88 | |
| Huron County | $755 | $1,092 | 7 | |
| Crawford County | $748 | $1,067 | 2 | |
| Allen County | $744 | $984 | 13 | |
| Montgomery County | $736 | $967 | 95 | |
| Geauga County | $736 | $978 | 6 | |
| Van Wert County | $707 | $906 | 1 | |
| Wyandot County | $693 | $940 | 9 | |
| Logan County | $681 | $957 | 11 | |
| Mahoning County | $678 | $985 | 8 | |
| Madison County | $651 | $840 | 4 | |
| Lorain County | $642 | $855 | 82 | |
| Medina County | $581 | $818 | 15 | |
| Mercer County | $561 | $810 | 3 | |
| Auglaize County | $539 | $753 | 10 | |
| Williams County | $401 | $545 | 2 |
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, June 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.