Flood history · Toledo, OH 43609
Flood insurance claims in Toledo, OH 43609
146 claims since 1978 and $691,589 paid. Here's what the public record shows, and how to check a specific address.
Claims by year
Every NFIP flood insurance claim reported in ZIP 43609 since 1978.
What the record says
About 38% of claims here were on properties rated outside high-risk zones (zones X, B or C). A lower-risk zone on the map is not a guarantee.
No claims were recorded in the last 10 years. Older floods still show what the area can do.
The most commonly recorded cause is tidal water overflow: coastal surge and high tides.
Biggest flood events
| Event | Year | Claims | Share |
|---|---|---|---|
| Unnamed flooding | 1985 | 13 | 9% |
| Tropical Storm Erin | 2007 | 1 | 1% |
Flood zone at time of claim
NFIP communities
Federal disaster declarations in Lucas County
Flood, hurricane and storm declarations since 2000.
5 flood, storm or hurricane declarations for Lucas County since 2000.
Check a specific address in Toledo.
ZIP-level history is the backdrop. See the official FEMA flood zone, ground elevation and next steps for one property, free.
Sources: FEMA OpenFEMA NFIP Redacted Claims (v3) and Disaster Declarations Summaries, FEMA NFIP Community Status Book; place names from GeoNames (CC BY 4.0). Data as of 2026-10-09. Payments are net building + contents payments in dollars at the time paid, not adjusted for inflation. Claims are grouped by the ZIP code reported on the claim. This product uses the FEMA OpenFEMA API but is not endorsed by FEMA. Information only; not an official flood zone determination or insurance advice.