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Mutual, Ohio
Inside Mutual's city limits, a shallow water table limits basements on 94% of mapped land, the 5th-highest of 7 cities in Champaign County. Shrink-swell clay limits houses without basements on 10%, the 5th-highest of 7 cities in Champaign County.
That water-table share is above Champaign County's 83%. FEMA's flood data list 7 flood losses since 2016 in the 2 ZIP codes overlapping the city.
Data as of October 13, 2026 · sources · in Champaign County
expansive clay: shrink-swell limits slab homes
high water table: limits basements
flood losses since 2016 in 2 overlapping ZIPs
Basement waterproofing in Mutual
Basement waterproofing in Mutual: a shallow water table limits basements on 94% of Mutual's mapped land, more than in 84% of Ohio cities, and the 2 ZIP codes overlapping Mutual logged 7 FEMA flood losses since 2016.
Soil under Mutual city limits
| Expansive clay (limits slab homes) | 9.6% |
| High water table (limits basements) | 94.2% |
| Septic fields very limited | 99.9% |
| Clay swell (LEP, by area) | 4.4% |
| High-swell land (LEP 6%+) | 0.7% |
| Mapped soil | 87 acres |
What the numbers mean here
On 94% of Mutual's mapped land, soil stays saturated within about 6 feet of the surface for part of the year, which is basement depth.
USDA rates over 99% of the land very limited for septic absorption fields.
Drought in Champaign County
0% of Champaign 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 Mutual. ZIP areas reach past city limits.
| ZIP | Share of city land | Flood losses | Paid |
|---|---|---|---|
| 43078 | 73% | 7 | $31,789 |
| 43044 | 27% | 0 | $0 |
Homes
Mutual has fewer than 100 housing units in the ACS 2020-2024 estimates, too few for reliable shares.
Nearby cities
| Place | Distance | Expansive clay | High water table |
|---|---|---|---|
| Mechanicsburg | 4 mi | 3% | 82% |
| Catawba | 6 mi | 9% | 10% |
| Urbana | 7 mi | 2% | 59% |
| Woodstock | 9 mi | 41% | over 99% |
| South Vienna | 10 mi | 30% | 69% |
| North Lewisburg | 11 mi | 19% | 98% |
| Tremont City | 12 mi | 4% | 53% |
| Milford Center | 13 mi | 39% | 93% |
Sources: USDA SSURGO (August 5, 2026) · US Drought Monitor (October 13, 2026) · FEMA NFIP v3 (September 9, 2026). Methods · Data status