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Trotwood, Ohio
Inside Trotwood's city limits, a shallow water table limits basements on 65% of mapped land. Shrink-swell clay limits houses without basements on 22%, the 5th-highest of 19 cities in Montgomery County.
That water-table share is close to Montgomery County's 65%. FEMA's flood data list 7 flood losses since 2016 in the 3 ZIP codes overlapping the city. Of its 12,254 homes, 85% were built before 1980; the median dates from 1963.
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 3 overlapping ZIPs
of homes built before 1980
Basement waterproofing in Trotwood
Basement waterproofing in Trotwood: a shallow water table limits basements on 65% of Trotwood's mapped land, and the 3 ZIP codes overlapping Trotwood logged 7 FEMA flood losses since 2016.
In Montgomery County, 65% of the 48 flood-loss buildings with a recorded foundation type had basements.
About 8,500 of Trotwood's 12,254 homes are detached houses.
Soil under Trotwood city limits
| Expansive clay (limits slab homes) | 21.9% |
| High water table (limits basements) | 65.5% |
| Septic fields very limited | 92.2% |
| Clay swell (LEP, by area) | 4.8% |
| High-swell land (LEP 6%+) | 14.1% |
| Urban land, not rated | 5.1% |
| Mapped soil | 19,505 acres |
What the numbers mean here
Clay swell averages a linear extensibility of 4.8% by land area here, and 14% of the land reaches USDA's high class (6% or more). Clay like that swells when wet and shrinks when dry, under 22% of the mapped land.
On 65% of Trotwood's mapped land, soil stays saturated within about 6 feet of the surface for part of the year, which is basement depth.
USDA rates 92% 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 Trotwood. ZIP areas reach past city limits.
| ZIP | Share of city land | Flood losses | Paid |
|---|---|---|---|
| 45426 | 58% | 3 | $88,435 |
| 45417 | 25% | 4 | $16,531 |
| 45416 | 4% | 0 | $0 |
Homes in Trotwood
| Housing units | 12,254 |
| Median year built | 1963 |
| Built before 1980 | 85% |
| Built 2000 or later | 6% |
| Owner-occupied | 58% |
| Median value, owner-occupied | $113,200 |
| Single-family detached | 70% |
Nearby cities
| Place | Distance | Expansive clay | High water table |
|---|---|---|---|
| New Lebanon | 5 mi | 31% | 95% |
| Englewood | 5 mi | 24% | 66% |
| Clayton | 5 mi | 15% | 84% |
| Brookville | 6 mi | 30% | 96% |
| Dayton | 7 mi | 6% | 28% |
| Union | 8 mi | 18% | 50% |
| Moraine | 8 mi | 3% | 33% |
| Phillipsburg | 9 mi | 28% | 100% |
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