Ohio faces flood risk from the Ohio River which creates an extensive floodplain across the southern part of the state, as well as the Miami, Scioto, Great Miami, and Maumee rivers. The 2018 flooding along the Ohio River caused hundreds of millions in damage in communities from Cincinnati to Portsmouth. The Great Miami River valley including Dayton has a long flood history, with the 1913 flood being the state's worst natural disaster, killing over 400 people and leading to the creation of the Miami Conservancy District flood protection system. Dayton's modern flood protection system has prevented major flooding since 1913 but remains one of the most significant flood control systems in the country. Columbus sits at the confluence of the Scioto and Olentangy rivers and faces flood risk during heavy rain events. The 2005 flood in southern Ohio along the Ohio River caused extensive damage in communities like Ironton and Portsmouth. The state has over 1,200 NFIP-participating communities, one of the highest totals nationally. Flash flooding is an increasing concern in urban areas including Cleveland, Cincinnati, and Columbus as aging stormwater infrastructure struggles with more intense rainfall events.
Ohio Flood Zones
FEMA Flood Zone Lookup in Ohio
Look up any address in Ohio to find its FEMA flood zone designation, insurance requirements, and base flood elevation — sourced from the official National Flood Hazard Layer.
Zone A and Zone AE along the Ohio, Miami, Scioto, and Maumee rivers; Zone X (shaded) for moderate-risk areas throughout major cities; Zone AR for levee-protected areas along the Ohio River; Zone AO for shallow flooding in agricultural lowlands.
Hamilton County, Cuyahoga County, Franklin County, Montgomery County, Scioto County
NFIP premiums typically range $450-$1,000 for standard-risk properties. Ohio Riverfront properties in Cincinnati and Portsmouth can run $1,200-$3,000 annually. Urban flash flood risk areas in Cleveland and Columbus face moderate premiums.
Frequently Asked Questions — Ohio
How bad was the 1913 Ohio flood?
The 1913 flood was Ohio's worst natural disaster, killing over 400 people and causing massive destruction along the Miami and Scioto rivers. Dayton was inundated under up to 10 feet of water. The disaster led to creation of the Miami Conservancy District.
Is Dayton still at flood risk?
Dayton's flood protection system, built after 1913, has prevented major flooding for over 100 years. However, the system has design limits and urban development has increased runoff. The city maintains its flood infrastructure to continue protecting against Ohio River flooding.
Does Cincinnati flood?
Yes. Cincinnati sits on the Ohio River and has experienced repeated flooding. The 2018 flood caused significant damage in the city. The Ohio River regularly reaches flood stage during heavy rain and snowmelt events affecting low-lying neighborhoods.
Disclaimer: FloodZoneCheck is a free research tool using public FEMA data, not an official Standard Flood Hazard Determination. Lenders require a certified determination from a licensed provider. Zone boundaries can cross a single parcel — confirm exact risk and insurance requirements with FEMA or your insurer before relying on this for a purchase or insurance decision.
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