Flood Insurance

Who needs Flood Insurance?

Flood insurance is important for many homeowners and renters in Ohio, especially those living in areas prone to flooding. Here’s who needs it:



1. Homeowners in High-Risk Flood Zones – If you live in a FEMA-designated Special Flood Hazard Area (SFHA), mortgage lenders typically require flood insurance.
2. Residents Near Rivers, Lakes, or Low-Lying Areas – Properties near the Ohio River, Lake Erie, or other waterways are more susceptible to flooding.
3. Homeowners Outside High-Risk Areas – About 25% of flood claims come from areas with low-to-moderate flood risk, so even if it's not required, flood insurance can provide valuable protection.
4. Renters in Flood-Prone Areas – While landlords insure the building, renters should get flood insurance to protect their personal belongings.
5. Business Owners in Flood Zones – Commercial properties in flood-prone areas should have coverage to protect their assets and inventory.

Since standard homeowners and renters insurance does not cover flood damage, flood insurance is essential for financial protection in case of unexpected flooding events.