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Germantown, Ohio
Inside Germantown's city limits, a shallow water table limits basements on 59% of mapped land. Shrink-swell clay limits houses without basements on 5%.
That water-table share is below Montgomery County's 65%. FEMA's flood data list 4 flood losses since 2016 in ZIP code 45327 overlapping the city. Of its 2,300 homes, 67% were built before 1980; the median dates from 1972.
Data as of October 13, 2026 · sources · in Montgomery County
expansive clay: shrink-swell limits slab homes
high water table: limits basements
flood losses since 2016 in 1 overlapping ZIP
of homes built before 1980
Basement waterproofing in Germantown
Basement waterproofing in Germantown: a shallow water table limits basements on 59% of Germantown's mapped land, and the ZIP code overlapping Germantown logged 4 FEMA flood losses since 2016.
In Montgomery County, 65% of the 48 flood-loss buildings with a recorded foundation type had basements.
About 1,900 of Germantown's 2,300 homes are detached houses.
Soil under Germantown city limits
| Expansive clay (limits slab homes) | 5.3% |
| High water table (limits basements) | 59.0% |
| Septic fields very limited | 93.2% |
| Clay swell (LEP, by area) | 4.1% |
| High-swell land (LEP 6%+) | 3.9% |
| Urban land, not rated | 5.3% |
| Mapped soil | 2,703 acres |
What the numbers mean here
On 59% of Germantown's mapped land, soil stays saturated within about 6 feet of the surface for part of the year, which is basement depth.
USDA rates 93% of the land very limited for septic absorption fields.
Drought in Montgomery County
0% of Montgomery County is in drought (D1 or worse) on the October 13, 2026 map. County detail.
Flood losses by ZIP code
FEMA flood records since 2016 in the ZIP codes that overlap Germantown. ZIP areas reach past city limits.
| ZIP | Share of city land | Flood losses | Paid |
|---|---|---|---|
| 45327 | 97% | 4 | $12,515 |
Homes in Germantown
| Housing units | 2,300 |
| Median year built | 1972 |
| Built before 1980 | 67% |
| Built 2000 or later | 25% |
| Owner-occupied | 82% |
| Median value, owner-occupied | $205,900 |
| Single-family detached | 82% |
Nearby cities
| Place | Distance | Expansive clay | High water table |
|---|---|---|---|
| Carlisle | 4 mi | under 1% | 13% |
| Farmersville | 5 mi | 18% | 95% |
| Miamisburg | 5 mi | 12% | 57% |
| West Carrollton | 6 mi | 3% | 22% |
| Franklin | 6 mi | 2% | 27% |
| New Lebanon | 8 mi | 31% | 95% |
| Moraine | 8 mi | 3% | 33% |
| Springboro | 8 mi | 8% | 28% |
Sources: USDA SSURGO (August 5, 2026) · US Drought Monitor (October 13, 2026) · FEMA NFIP v3 (September 9, 2026) · Census ACS 2020-2024. Methods · Data status