Flood Insurance in Ohio

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Many people know that the Great Dayton Flood of 1913 caused the greatest natural disaster in Ohio history. Since then, the Dayton area has experienced major floods in nearly every decade. If you live in the Miami Valley area, you need flood insurance!

Flood insurance in Ohio provides the necessary protection from destruction and financial devastation caused by floods. Although it may not seem like much, even a few inches of water can cause serious damage resulting in thousands of dollars in repair and restoration costs.

Flood insurance in Ohio offers protection against losses that result from heavy and lengthy rain falls, storm surges, blocked storm drainage systems, snow melts, etc.—allowing you to proactively safeguard your home and possessions.

Different types of flood insurance policies are available based on your property’s location and flood history:

Standard Flood Insurance Policies

If you live in a community that participates in the National Flood Insurance Program (NFIP), your building and its contents can be covered by standard flood insurance. Ohio residents should be aware that the NFIP was established by the Federal Government to help communities who “voluntarily participate in the NFIP by adopting and enforcing floodplain management ordinances to reduce future flood damage.” To be considered a flood, the waters must cover at least two acres or affect at least two properties. You must apply for building coverage and contents coverage separately if you choose to invest in a standard flood insurance policy.

Preferred Risk Flood Insurance Policies

If your home or business is in a low or moderate risk zone, your building may qualify for a low-cost preferred risk policy. While you aren't required to purchase flood insurance, Ohio residents in low-to-moderate risk areas, should consider a preferred risk policy which will protect your home and its contents if you are affected by a small flood or a larger flood that has extended into your low-risk area. In truth, many flood insurance claims occur in low-to-moderate risk areas.

There’s no reason why you should place your home or livelihood at risk. Contact Reichley Insurance Agency today; we’ll get you on the path to superior flood protection with affordable and comprehensive flood insurance in Ohio .