Flood insurance cost in Ohio
In Ohio, the lowest private flood insurance quote ran $529 a year and the typical private quote ran $998. The NFIP quote ran $1,538.
Private and NFIP quotes compared
Where a property was quoted both ways, the lowest private quote came in a median 68% below the NFIP quote, and private was the cheaper option for 90% of those 52 properties. The typical private quote came in 39% below NFIP.
Median annual premiums from 650 carrier quotes. Lowest is the cheapest private quote a property received, typical is the middle one.
By flood zone and property type
| Group | Lowest private | Typical private | NFIP | Carrier quotes |
|---|---|---|---|---|
| Zone A, AE, AH and AO (high risk) | $565 | $1,121 | $1,615 | 515 |
| Residential properties | $516 | $978 | $1,520 | 647 |
How quotes have moved since 2020
- Lowest private quote$548 in 2025
- Typical private quote$910 in 2025
- NFIP quote$1,542 in 2025
Dashed lines span years with too few quotes to report a figure.
| Year | Lowest private | Typical private | NFIP | Carrier quotes |
|---|---|---|---|---|
| 2020 | $690 | $805 | $1,805 | 540 |
| 2021 | $851 | $1,347 | $2,581 | 381 |
| 2022 | $787 | $1,099 | n/a | 101 |
| 2024 | $672 | $1,277 | n/a | 293 |
| 2025 | $548 | $910 | $1,542 | 330 |
See what your property is quoted
The index is a median. Your price depends on your flood zone, elevation and coverage. Compare NFIP and private carriers for your address.
Common questions
- How much does flood insurance cost in Ohio?
- From Oct 2024 to Oct 2026, the typical private flood insurance quote in Ohio was $998 a year and the lowest private quote a property received was $529. NFIP quotes ran $1,538. These are medians of quotes run through Insurox, not premiums paid, and your own price depends on your property.
- Is private flood insurance cheaper than NFIP in Ohio?
- Where a property was quoted both ways, the lowest private quote came in a median 68% below the NFIP quote, and private was the cheaper option for 90% of those 52 properties. The typical private quote came in 39% below NFIP.
- Where do these numbers come from?
- From 650 carrier quotes returned to property owners who asked for flood insurance quotes through Insurox between Oct 2024 to Oct 2026. A place is only published when at least 20 different properties were quoted there.
More about flood insurance in Ohio
- Flood insurance in Ohio: what it covers, who needs it and how to get quotes.
- NFIP (FEMA) flood insurance
- Private flood insurance
- Commercial flood insurance
These figures are statistics about quotes, not an offer of insurance. Read how the index is calculated or go back to the national index.