IICRC-certified water damage pros across all of Ohio — serving 10 cities and 0 counties. Average Ohio claim: $9K. 230,000+ claims filed annually statewide.
10
Cities Covered
$9K
Avg Claim Value
230K+
Annual Claims
Yes ✓
NFIP Participant
Flood Risk Profile
Ohio has dual flood risk: Ohio River flooding in the south (Cincinnati, Portsmouth, Marietta) from Mississippi basin storms, and lake-effect moisture events near Cleveland and Toledo. The 1913 Great Dayton Flood killed 360+ people — modern flood control exists but heavy rain still exceeds capacity in older Ohio cities.
Notable Events
1913 Great Dayton Flood (killed 360+, destroyed 20,000 homes)
August 2023 southeastern Ohio flooding ($100M+)
February 2021 polar vortex pipe freeze events
2019 Ohio River flooding (record levels at several gauges)
Insurance Info — Ohio
Ohio Department of Insurance regulates. Ohio has a 21-day payment timeline after proof of loss. Many Ohio River communities have flood history not reflected in current FIRM maps — consider private flood insurance for river-adjacent properties. NFIP participation is high along river corridors.
Licensing: Ohio Construction Industry Licensing Board (OCILB) for contractors
Service Areas
Click any city for local flood risk data, cost estimates, and IICRC-certified pros.
Columbus
Franklin County
Cleveland
Cuyahoga County
Cincinnati
Hamilton County
Toledo
Lucas County
Akron
Summit County
Dayton
Montgomery County
Metro Area 6
Metro Area 6 County County
Metro Area 57
Metro Area 57 County County
Metro Area 108
Metro Area 108 County County
Metro Area 159
Metro Area 159 County County
Official FEMA Records
Local Pricing
Ohio averages $9K per insurance claim. Final cost depends on water category, affected area, delay time, and structural damage.
Use our cost calculatorAvg insurance claim
$9,000
Ohio statewide avg
Annual claims filed
230K+
In Ohio per year
Minor damage (Cat 1)
$1,500–$4,000
Clean water, small area
Severe damage (Cat 3)
$8,000–$25,000+
Sewage, flood, structural
IICRC-certified pros dispatch to your location 24/7 — average 43 min response across Ohio.
Educational Resources
Most homeowners call a plumber first. That's the wrong call. The order in which you contact a restoration company, your insurer, and a plumber directly affects how much you recover from insurance -- and how fast your home is restored.
The decisions you make in the first 60 minutes after water damage determine how much you pay, how fast you recover, and whether your insurance claim succeeds. Here's the exact sequence of actions.
Most water damage insurance claim denials happen because homeowners make one of seven preventable mistakes. This guide shows you exactly what to do — and what to avoid — from the moment water appears.
The average water damage restoration costs $3,900 nationally — but ranges from $1,200 to $25,000+ depending on factors most homeowners don't know about before they call.
Reviewed by Marcus Reed, IICRC WRT · Last updated: 2026-07-10
HearthDry is an independent educational resource for Ohio homeowners. Cost estimates reflect statewide averages. FEMA data is approximate — verify at fema.gov. Always confirm contractor licensing with Ohio Construction Industry Licensing Board (OCILB) for contractors.
