On a septic system, the lowest drain in the house backs up first when the tank is full or the outlet is blocked. Stop running water immediately, including toilets, laundry, and dishwasher, and get the tank checked the same day.
More detail
The basement floor drain is the lowest opening in the system, so when wastewater has nowhere to go it comes up there before anywhere else. That makes it the earliest and clearest warning you will get, and it means the problem is downstream of the house rather than in one fixture. The first action matters more than the diagnosis. Stop adding water. Every load of laundry, every flush, and every dishwasher cycle pushes more volume into a system that is already backing up, and the difference between a contained backup and sewage across a finished basement floor is often a single load of wash started by someone who did not know. The usual causes, roughly in order. A full tank, which is the most common and the least expensive. A collapsed or deteriorated inlet or outlet baffle, which lets solids into the outlet line or blocks flow. A blocked effluent filter, which is a good problem to have because it means the filter did its job. A blocked or crushed line between house and tank, often from roots or settling. Or a saturated drain field with nowhere to accept effluent, which is the expensive end. Tank-side causes typically run $300 to $700 to resolve. Drain-field-side causes run much higher, which is why the diagnostic order matters. On timing: the window between a first gurgle and standing sewage is often under 24 hours for tank-side problems. Gurgling toilets, multiple slow drains, or water rising in a shower when a toilet flushes are the same signal at an earlier stage. Same-day service is the right response to any of them. One factor specific to Greater Columbus and Central Ohio. Central Ohio sits on flat-lying glacial till with dense clay subsoils that drain slowly and perch water above the till rather than letting it through. Saturated ground after sustained rain slows how fast a drain field can accept effluent, which is why backups cluster in wet weeks and why a system that coped for years can back up for the first time after a storm.