Data · May 2026 data · 13-month trend
Ohio Flood Insurance Costs
Homeowners taking out or renewing NFIP flood coverage in Ohio paid an average premium of $1,008 in May 2026. That runs +2.6% above the national average of $982. That represents a 1.3% increase year over year. 1,899 policies were written or renewed statewide that month; Defiance County was the priciest county at $3,927 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 — May 2026
- Average premium
- $1,008
- Avg total cost (with fees)
- $1,311
- Change (year over year)
- +1.3%
- vs national average
- +2.6%
- Policies written or renewed
- 1,899
- Counties reporting
- 86
Ohio trend, last 13 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 | $1,299 | 1,999 | |
| June 2025 | $1,080 | $1,405 | 1,929 | |
| July 2025 | $1,037 | $1,349 | 1,992 | |
| August 2025 | $1,122 | $1,454 | 2,135 | |
| September 2025 | $1,028 | $1,336 | 2,209 | |
| October 2025 | $1,030 | $1,349 | 2,044 | |
| November 2025 | $1,080 | $1,411 | 1,731 | |
| December 2025 | $1,040 | $1,362 | 1,716 | |
| January 2026 | $1,113 | $1,446 | 1,404 | |
| February 2026 | $1,137 | $1,481 | 1,606 | |
| March 2026 | $1,106 | $1,443 | 1,847 | |
| April 2026 | $1,055 | $1,377 | 1,922 | |
| May 2026 | $1,008 | $1,311 | 1,899 |
County breakdown — May 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 |
|---|---|---|---|---|
| Defiance County | $3,927 | $4,762 | 4 | |
| Henry County | $2,991 | $3,601 | 1 | |
| Athens County | $2,341 | $2,916 | 11 | |
| Washington County | $2,339 | $2,924 | 29 | |
| Muskingum County | $2,005 | $2,513 | 6 | |
| Pike County | $1,958 | $2,508 | 9 | |
| Meigs County | $1,762 | $2,185 | 13 | |
| Madison County | $1,760 | $2,373 | 2 | |
| Hamilton County | $1,731 | $2,205 | 113 | |
| Clermont County | $1,678 | $2,134 | 22 | |
| Auglaize County | $1,647 | $2,100 | 8 | |
| Belmont County | $1,589 | $2,082 | 10 | |
| Fairfield County | $1,573 | $2,024 | 28 | |
| Tuscarawas County | $1,568 | $2,053 | 19 | |
| Darke County | $1,486 | $1,900 | 12 | |
| Hocking County | $1,482 | $1,921 | 9 | |
| Fayette County | $1,476 | $1,926 | 2 | |
| Seneca County | $1,360 | $1,790 | 4 | |
| Lake County | $1,342 | $1,684 | 32 | |
| Holmes County | $1,321 | $1,766 | 5 | |
| Paulding County | $1,308 | $1,648 | 7 | |
| Putnam County | $1,302 | $1,650 | 16 | |
| Morgan County | $1,280 | $1,657 | 3 | |
| Franklin County | $1,271 | $1,642 | 122 | |
| Guernsey County | $1,230 | $1,696 | 13 | |
| Ross County | $1,218 | $1,538 | 8 | |
| Lawrence County | $1,212 | $1,562 | 15 | |
| Preble County | $1,206 | $1,495 | 7 | |
| Van Wert County | $1,198 | $1,599 | 2 | |
| Geauga County | $1,152 | $1,496 | 7 | |
| Perry County | $1,144 | $1,566 | 14 | |
| Sandusky County | $1,143 | $1,482 | 11 | |
| Harrison County | $1,137 | $1,414 | 4 | |
| Carroll County | $1,116 | $1,389 | 4 | |
| Jackson County | $1,115 | $1,510 | 11 | |
| Knox County | $1,107 | $1,475 | 7 | |
| Butler County | $1,102 | $1,417 | 61 | |
| Erie County | $1,074 | $1,371 | 28 | |
| Richland County | $1,056 | $1,399 | 14 | |
| Hancock County | $1,040 | $1,359 | 30 | |
| Morrow County | $1,029 | $1,455 | 4 | |
| Ashland County | $1,025 | $1,338 | 8 | |
| Wood County | $1,015 | $1,314 | 15 | |
| Delaware County | $1,015 | $1,326 | 16 | |
| FIPS 39000 | $1,011 | $1,265 | 3 | |
| Noble County | $1,003 | $1,396 | 8 | |
| Stark County | $973 | $1,296 | 41 | |
| Gallia County | $954 | $1,272 | 15 | |
| Pickaway County | $949 | $1,253 | 11 | |
| Coshocton County | $942 | $1,183 | 3 | |
| Columbiana County | $941 | $1,247 | 7 | |
| Montgomery County | $938 | $1,236 | 80 | |
| Wyandot County | $936 | $1,277 | 9 | |
| Warren County | $931 | $1,196 | 53 | |
| Jefferson County | $929 | $1,182 | 17 | |
| Greene County | $923 | $1,201 | 51 | |
| Miami County | $897 | $1,165 | 26 | |
| Clark County | $894 | $1,153 | 25 | |
| Lucas County | $887 | $1,164 | 74 | |
| Crawford County | $876 | $1,105 | 3 | |
| Trumbull County | $866 | $1,149 | 33 | |
| Hardin County | $862 | $1,126 | 6 | |
| Licking County | $850 | $1,118 | 37 | |
| Scioto County | $834 | $1,115 | 19 | |
| Union County | $833 | $1,130 | 6 | |
| Huron County | $831 | $1,164 | 8 | |
| Logan County | $795 | $1,133 | 11 | |
| Ottawa County | $750 | $1,035 | 63 | |
| Marion County | $747 | $981 | 8 | |
| Summit County | $735 | $990 | 71 | |
| Brown County | $726 | $985 | 12 | |
| Lorain County | $718 | $969 | 54 | |
| Mercer County | $690 | $950 | 7 | |
| Ashtabula County | $673 | $979 | 2 | |
| Allen County | $660 | $899 | 14 | |
| Portage County | $650 | $880 | 11 | |
| Williams County | $636 | $822 | 1 | |
| Mahoning County | $631 | $886 | 13 | |
| Clinton County | $625 | $851 | 11 | |
| Adams County | $616 | $855 | 4 | |
| Shelby County | $612 | $846 | 13 | |
| Champaign County | $562 | $792 | 4 | |
| Medina County | $562 | $746 | 20 | |
| Wayne County | $559 | $731 | 9 | |
| Fulton County | $511 | $675 | 5 | |
| Cuyahoga County | $367 | $480 | 258 |
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 (FimaNfipPolicies).
"Ohio Flood Insurance Costs." Out of the Storm News Flood Insurance Cost Index, May 2026, based on FEMA OpenFEMA NFIP policy transaction data. https://outofthestormnews.com/flood-insurance/costs/ohio
Related guides
Editorial context for reading these numbers — how NFIP coverage and pricing work in practice, and what a flood map does and doesn’t tell you.