HomeOhioHamilton CountyLoveland
Loveland, Ohio
Inside Loveland's city limits, a shallow water table limits basements on 23% of mapped land, the highest of 36 cities in Hamilton County. Shrink-swell clay limits houses without basements on 9%, the 5th-highest of 36 cities in Hamilton County.
That water-table share is above Hamilton County's 9%. USDA doesn't rate the 32% of mapped land classed as urban land, so these shares are floors. FEMA's flood data list 11 flood losses since 2016 in ZIP code 45140 overlapping the city. Of its 5,511 homes, 41% were built before 1980; the median dates from 1985.
Data as of October 13, 2026 · sources · in Hamilton 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 Loveland
Basement waterproofing in Loveland: a shallow water table limits basements on 23% of Loveland's mapped land, and the ZIP code overlapping Loveland logged 11 FEMA flood losses since 2016.
In Hamilton County, 52% of the 251 flood-loss buildings with a recorded foundation type had basements.
About 3,700 of Loveland's 5,511 homes are detached houses.
Soil under Loveland city limits
| Expansive clay (limits slab homes) | 9.4% |
| High water table (limits basements) | 22.9% |
| Septic fields very limited | 47.0% |
| Clay swell (LEP, by area) | 4.7% |
| High-swell land (LEP 6%+) | 14.0% |
| Urban land, not rated | 32.5% |
| Mapped soil | 3,495 acres |
What the numbers mean here
On 23% of Loveland's mapped land, soil stays saturated within about 6 feet of the surface for part of the year, which is basement depth.
Drought in Hamilton County
0% of Hamilton 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 Loveland. ZIP areas reach past city limits.
| ZIP | Share of city land | Flood losses | Paid |
|---|---|---|---|
| 45140 | 100% | 11 | $100,312 |
Homes in Loveland
| Housing units | 5,511 |
| Median year built | 1985 |
| Built before 1980 | 41% |
| Built 2000 or later | 20% |
| Owner-occupied | 75% |
| Median value, owner-occupied | $321,300 |
| Single-family detached | 67% |
Nearby cities
| Place | Distance | Expansive clay | High water table |
|---|---|---|---|
| Montgomery | 4 mi | 5% | 8% |
| Maineville | 6 mi | 3% | 77% |
| Blue Ash | 7 mi | 2% | 8% |
| The Village of Indian Hill | 7 mi | 13% | 17% |
| Mason | 7 mi | 4% | 41% |
| South Lebanon | 7 mi | 9% | 25% |
| Milford | 7 mi | 3% | 32% |
| Sharonville | 7 mi | 2% | 9% |
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