Dayton Flood Insurance
Protecting Montgomery County from River & Creek Flooding
Dayton's Flood Risk
Dayton sits at the confluence of four rivers—the Great Miami, Stillwater, Mad River, and Wolf Creek—making flood management critical for the region. The devastating 1913 flood led to the creation of one of the nation's first comprehensive flood control systems.
📜 The 1913 Great Flood & Miami Conservancy District
In March 1913, Dayton experienced catastrophic flooding that killed over 360 people and destroyed thousands of homes. In response, the region created the Miami Conservancy District—America's first major flood control system.
The five dry dams built between 1918-1922 have protected Dayton from major flooding for over 100 years. However, localized flooding still occurs from tributaries, creeks, and urban drainage—and flood insurance remains important for many properties.
Current Dayton Flood Sources
Great Miami River
Main river corridor—protected by dams but still has flood zones
Stillwater River
Flows through Englewood and northwest Dayton
Mad River
Affects Riverside, Huber Heights, and eastern areas
Urban Creeks
Wolf Creek and smaller tributaries create localized flooding
Real Dayton Premium Examples
These are actual premiums from Dayton-area properties we've insured. Your rate depends on your specific location, elevation, and proximity to local tributaries.
| Area / ZIP | Building Coverage | Contents | Annual Premium |
|---|---|---|---|
| Dayton (45449) - South | $75,000 | $0 | $350 |
| Dayton (45449) - Moraine | $175,000 | $40,000 | $394-$417 |
| Kettering (45440) | $200,000 | $70,000 | $424 |
| Dayton (45415) - Shiloh | $260,000 | $0 | $864-$889 |
| Dayton (45426) - Northwest | $268,800 | $30,000 | $989 |
| Dayton (45449) - Commercial | $250,000 | $100,000 | $990 |
| Dayton (45449) | $150,000 | $75,000 | $1,031-$1,085 |
Note: Many Dayton properties benefit from the Miami Conservancy District protection and qualify for reasonable rates. Properties near Wolf Creek or outside the dam protection areas may pay more.
Dayton Area Neighborhoods & Flood Risk
Flood risk varies across the Miami Valley. Here's what to know about major Dayton areas:
Downtown / Oregon District
MODERATE RISK- ✓ Near Great Miami River confluence
- ✓ Protected by Conservancy dams
- ✓ Some properties still in flood zones
- ✓ Verify specific address risk
Moraine / West Carrollton
MODERATE RISK- ✓ Great Miami River corridor
- ✓ Mix of residential & industrial zones
- ✓ Significant river frontage exposure
- ✓ Individual evaluation recommended
Kettering / Oakwood
LOWER RISK- ✓ Higher elevation plateau areas
- ✓ Most properties located in Zone X
- ✓ Recommended—surface runoff occurs
- ✓ Often excellent private market rates
Riverside / Huber Heights
MODERATE RISK- ✓ Mad River corridor proximity
- ✓ Pockets of AE zone properties
- ✓ Check specific plat location
- ✓ Varied risk levels by street
Englewood / Clayton
MODERATE RISK- ✓ Stillwater River influences
- ✓ Englewood Dam protection system
- ✓ Localized creek flooding possible
- ✓ Wide mix of different flood zones
Centerville / Springboro
LOWER RISK- ✓ High ground, southern suburbs
- ✓ Majority of properties in Zone X
- ✓ Minor creek flooding pockets
- ✓ Very affordable coverage available
Why Dayton Homeowners Choose Us
Miami Valley Expertise
We understand the complex river confluence and dam protection systems unique to Dayton.
Private Flood Options
Access to top private carriers like Neptune and Wright for often lower rates than NFIP.
Creek & Runoff Risk
We help owners in Zone X identify flash flood risks from Wolf Creek and local tributaries.
Business & Commercial
Tailored coverage for Dayton’s industrial corridors and downtown commercial spaces.
Rapid Response
Closing on a home in Oakwood or Kettering? We provide same-day quote turnaround.
No-Pressure Advice
We explain the "why" behind your flood map, helping you make an informed decision.
FAQs
Do the Miami Conservancy dams mean I don't need flood insurance?
The dams provide excellent protection from catastrophic Great Miami River flooding, but they don't eliminate all flood risk. Tributaries, creeks, and urban drainage can still cause flooding. If your property is in a mapped flood zone, your lender will require coverage. Even in Zone X, coverage is often affordable and recommended.
Why is my premium higher than my neighbor's?
Under Risk Rating 2.0, premiums are calculated property-by-property based on elevation, distance to water, and flood type. Even houses on the same street can have different rates based on subtle elevation differences or proximity to a creek.
Does my basement have coverage?
NFIP provides very limited basement coverage—mostly utilities. Private flood insurance may offer better options. This is important since many Dayton homes have basements.
How quickly can I get coverage for a closing?
We can typically have quotes ready within 24-48 hours and bind coverage shortly after. If you're closing soon, call us directly and we'll prioritize your application.
Get Your Dayton Flood Insurance Quote
We typically respond within 24 hours with multiple quote options.