How much is Flood Insurance in Ohio? is pleased to work with some of the nation's largest private flood insurers to provide you with coverage you can trust. Our instant quote tool assesses rates from numerous carriers to get you the best coverage for the lowest price. 


How much is Flood Insurance in Ohio?

The average cost per policy in Ohio through the NFIP is $857.38. Depending on where you live, this average could vary substantially! Depending on your deductibles, the cost of your home and contents, this also causes a wide range in premiums. Below, we've listed rates for several cities to give you an idea of flood insurance cost through the NFIP. If you're interested in a quote for a private flood insurance policy to compare costs, we offer a 100% online quote process.

Average Costs through the NFIP

Average Cost per Policy

*Prices as of April, 2021.

How do I save money on Flood Insurance in Ohio?

You may be able to save by getting a quote for private flood insurance instead of going through the NFIP. This is an entirely online process, no need to wait for a callback or an email! Once you've received your quote, compare it to what you'd pay through the NFIP. But don't just compare the costs, check what's covered by the NFIP so that if you try to submit a claim, you're not caught off-guard by what is, and isn't, covered.

Why would I need Flood Insurance in Central Ohio?

Not living on a coast may ease your fear of being hit by a hurricane, but there are other flood events that could happen nearly anywhere. Rainfall, snowmelt or poor drainage could all cause flooding. You may be required to get flood insurance even in central Ohio if you're in a flood zone. If you want to find out, simply enter your address on our FEMA Flood Zone map lookup. And even if you're not required to get one, you may be in an area where you would be wise to do so regardless of what the map says.

How do I get Flood Insurance in Ohio?

You could look into getting a policy through the National Flood Insurance Program, or you could obtain it through a Private Flood Insurance company. The NFIP has it's limitations, and sometimes requires costly elevation certificates in order to be approved. If you want more options, and broader coverage, look into getting a private flood insurance quote.

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