Miami County, Ohio · Troy
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Miami County averages 30 nights a year at 20°F or colder, mostly November to March, and 36% of its homes predate 1960.
Heavy rain days of an inch or more come about 7.2 times a year here, most often in March. A sump pump that hasn't run since last season is a common weak point.
36% of homes here predate 1960, when clay and cast iron sewer laterals were standard. Roots and cracks in those lines are a common cause of backups.
In Miami County, 2.62 inches fell on the wettest day of the 2015–2024 record. Storms like that, and ice dams in snowy winters, cause most roof leaks.
10% of occupied homes in Miami County heat mainly with wood or propane, below the Ohio county median of 15.9%.
With 45 muggy nights a year, mold in Miami County can appear within days of a leak. Dry first, then clean.
Local risk profile
Miami County covers 407 square miles of western Ohio, with about 110,296 residents and 47,226 homes. Besides Troy, the county seat, the biggest communities are Piqua, Tipp City and West Milton. The county's median home was built in 1971.
62/100 Water Damage Risk Index: Elevated Miami County ranks 13 of 88 Ohio counties. See the statewide ranking and method.The three factors where Miami County ranks highest compared with other Ohio counties.
For frozen pipes, Miami County is a typical Ohio county, which is still plenty. In the 2015–2024 record the county logged about 30 nights a year at or below 20°F (49th of 88) and 100 below freezing. Twenty degrees is roughly where uninsulated pipes start to freeze.
On January 3, 2018 the low fell to about -12°F, and in the stretch ending March 2015 the county went 17 days in a row below freezing. Leaks from split pipes typically appear the day the thaw arrives.
Expect the hardest freezes in January, inside a season that runs November to March. That's when an outdoor spigot left connected to a hose, or a pipe in a crawl space, is most likely to split.
On average the first fall freeze arrives around Nov 2 and the last spring freeze around Apr 19.
Heavy rain is a bigger factor here than in most of Ohio. About 7.2 days a year bring an inch or more (13th of 88), most often in March, out of 41.8 inches of total precipitation. On October 28, 2015, 2.62 inches fell in a single day. Multi-day storms matter most for basements; the wettest three days on record here totaled 4.09 inches (through September 9, 2018).
About 76 days a year swing from below freezing at night to above freezing by day. Those freeze-thaw cycles feed ice dams on roofs, open cracks in foundations and driveways, and stress pipes that are already marginal.
Housing
Ohio's 88 counties range widely in housing age; Miami ranks 35th, with 64% of its homes built before 1980.
The mix runs from 36% built before 1960 to 18% built since 2000, so older neighborhoods bring aging pipe while newer subdivisions bring failed appliance lines and water heaters.
Beyond water
Miami County averages 45 warm, muggy nights a year (lows of 65°F or more) and gets the most rain in May. Keep indoor humidity under 60%, as the EPA advises, and dry any leak within 24 to 48 hours; in a humid month a wet basement left alone won't dry by itself.
Mold remediation: what to expectBy main heating fuel, Miami County homes break down as 58% utility gas, 28% electric, 8% propane and 2% wood. Fires here are likelier to start in the kitchen or the wiring than in the furnace. After any fire, keep the HVAC off until ducts are checked, or soot will travel through the house.
Fire and smoke cleanup: first stepsCoverage
Calls connect to restoration companies that work across Miami County. The largest communities by population:
Population from ACS 2020-2024 5-year estimates. Townships and unincorporated areas are covered too.
Nearby
Champaign, Clark, Darke and Shelby get more pipe-freeze nights than Miami. Clark County has the oldest housing nearby, with 77% of homes built before 1980.
By the numbers
| Factor | Miami | Ohio median | Rank |
|---|---|---|---|
| Homes built before 1960 | 36% | 37% | 45 of 88 |
| Homes built before 1980 | 64% | 61% | 35 of 88 |
| Homes built 2000 or later | 18% | 17% | 35 of 88 |
| Manufactured or mobile homes | 1.1% | 5.9% | 81 of 88 |
| Vacant homes | 4.9% | 8.4% | 80 of 88 |
| Wood or propane heat | 9.7% | 16% | 64 of 88 |
| Nights at 20°F or colder | 30/yr | 31/yr | 49 of 88 |
| Days with 1 inch+ of rain | 7.2/yr | 5.7/yr | 13 of 88 |
| Freeze-thaw days | 76/yr | 82/yr | 73 of 88 |
| Muggy nights (65°F+) | 45/yr | 35/yr | 10 of 88 |
Rank 1 is the highest value. Bars run from the lowest to the highest Ohio county; the tick marks the median; orange means higher water damage risk than the median, green means lower.
Questions
Peak risk months in Miami County: freezing from November to March, heavy rain in March, April and July.
Sources: U.S. Census Bureau, ACS 2024 5-year estimates (2020-2024); weather from NOAA nClimGrid-Daily county averages (EpiNOAA), 2015–2024, averaged across the county; county boundaries from Census TIGER. Reviewed 2026-10-21. Methodology