Short answer: Ohio property policies generally exclude flood. Check FEMA maps, then buy NFIP or private flood coverage. The Ohio Department of Natural Resources Floodplain Management Program coordinates the NFIP for Ohio communities and helps with floodplain regulations, mapping and flood-insurance eligibility.
This guide is general information for Ohio property owners and renters about flood risk and the National Flood Insurance Program. It isn't a coverage determination. FEMA maps, your community's floodplain ordinance and your policy wording control.
Maps and coverage
Look up the address in FEMA's Flood Map Service Center. Riverine flooding along the Ohio River and inland streams drives much of the mapped SFHA. Coverage outside the SFHA is still available through FloodSmart. Most new NFIP policies have a 30-day waiting period.
ODNR Floodplain Management Program
The Ohio Department of Natural Resources Floodplain Management Program assists communities with NFIP participation, floodplain regulations, mapping and flood-insurance eligibility. ODNR also runs community floodplain-manager office hours and publishes program bulletins. Contact ODNR for community questions; contact FloodSmart or your agent for policy quotes and claims.
Questions? Contact Alishahi Insurance or call (877) 711-4545. See insurance in Ohio.
Frequently asked questions
Who coordinates the NFIP in Ohio?
The Ohio Department of Natural Resources Floodplain Management Program.
What's the usual NFIP waiting period in Ohio?
30 days for most new policies.
Do Ohio homeowners policies cover flood?
Generally no. Buy NFIP or private flood coverage separately.
Alishahi Insurance · 439 N Canon Dr, Penthouse, Beverly Hills, CA 90210 · (877) 711-4545 · CA License #4348151. General information only. This isn't legal, tax or financial advice or a coverage determination. Coverage depends on policy language and underwriting, and rules vary by state.