For residents with property in Cincinnati, OH, especially those new to the state or planning to move to the area, it is important to ask your insurance agent whether flood insurance is required. At Advantage Insurance Network, we are here to provide answers and ensure you have the coverage necessary to protect your home.

Ohio Flood Insurance Requirements

In Ohio, property owners with homes located in designated Special Flood Hazard Areas (SFHA) and carrying a mortgage are required to have flood insurance. This requirement remains in effect for the duration of the mortgage. Additionally, some mortgage lenders may require flood insurance even if the property is not located in a high-risk flood zone.

Is Flood Insurance Recommended for Property Not Located in a High-Risk Zone?

Floods can occur for various reasons, impacting properties outside of designated flood zones. Many claims are filed annually by property owners due to events such as heavy rain from inclement weather. Discussing the benefits of flood insurance with one of our agents can help you determine if this coverage is right for you.

It’s important to note that standard homeowner’s insurance typically does not cover damage to your home or personal property caused by flooding. This is why, even if your property is not in a high-risk flood zone, having additional coverage can provide protection in the event of a flood.

Contact Advantage Insurance Network

At Advantage Insurance Network, our goal is to help Cincinnati, OH, residents secure the coverage they need to protect their investments. Whether your property is in a high-risk zone or not, contact us today to discuss how flood insurance can safeguard your home.