Should I Get Flood Insurance for my Lancaster Ohio Home?

road flooded out It’s no secret that central Ohio is prone to have devastating floods during the rainy season. Purchasing Flood Insurance for your home in Ohio is a must. Even if your home is not located in a high-risk flood area, a flash flood or a mudslide can ultimately reach your home, and it will come with a cost.

Did you know that congress has mandated federally regulated or insured lenders to require flood insurance on properties located in areas at high risk of flooding in Ohio? That’s right. And it also depends on the mortgage lender, as they may require flood insurance from the start.

Best Flood Insurance Rates for My Home in Central Ohio

At Bill Palmer Insurance, we may be able to offer you a bundle rate to save you money on both your home insurance and additional flood insurance policies. Not sure if your home is covered due to your location? Bill Palmer offers insurance to the surrounding areas of Lancaster, Ohio, including but not limited to Logan, Ohio, and Canal Winchester, Ohio.

Most flood insurance policies cover physical damage caused by flooding to the building, personal property, detached garages, furnaces, portable and winter air conditioners, washers and dryers, water heaters, heat pumps, sump pumps, and more.

Contact us today for a free quote at 740-687-5733 and for more information regarding flood insurance policy options.

How Flood Insurance Works in Ohio

Flood insurance protects your property due to damage explicitly caused by a flood. Depending on the type of coverage your insurance policy covers, it may include repairs to foundations, electrical and plumbing systems, and appliances. Meanwhile, personal property coverage may include compensation for damages to clothes, furniture, and electronic devices, among others.

kroger in lancaster ohio flooded parking lot At Bill Palmer Insurance, we keep in mind that our clients want to get the best coverage at the most affordable rate. Our experienced staff is well informed on Ohio’s latest insurance trends and rates. Flood insurance is generally inexpensive and can usually bundle with other types of policies, such as auto and home insurance.

In all honesty, if you live in an area of Lancaster where you’re sure a flood won’t occur, then this type of insurance may not be necessary. But before you make any other considerations, give our insurance agent a call, and we can help you navigate the process.

If you are trying to figure out what your risks for flooding are, you can take a look at this flood map created by FEMA. Floods occur naturally and can happen almost anywhere. Still, this kind of assessment may help determine insurance requirements and help communities develop strategies for reducing risks.

It is important to remember that some areas may have an “undetermined risk,” which may not have been studied yet.

Contact us for Flood Insurance

Additional Resources

Three Things to Know about Your Flood Insurance in Ohio

15 Mar

Floods are among the most common natural disasters in the United States, and Ohio is no exception. From heavy rains to melting snow, floods can happen at any time and cause significant damage to homes and businesses. That's why it's essential to have flood insurance to protect your property and fina...

A brave member of the Tennessee Task Force One search and rescue team

What Kentucky’s Recent Flood Disaster Means for Ohio

07 Sep

Unfortunately, devastating floods have recently killed at least 37 people in Kentucky. As Ohio natives, we are aware that Central Appalachia is no stranger to flooding. But the latest floods in eastern Kentucky broke historical records, and experts expect more to follow. This recent devastating f...

More Information on Ohio Flooding

21 Apr

A flood can develop in many ways, but the most common is when lakes, rivers, and streams overflow their banks. Although floods occur naturally, they can have destructive power, and with this type of force, many structures cannot withstand the pressure. Not only are cars affected in these types of wa...

Is Lancaster Ohio Prone to Flooding?

13 Jan

Since Ohio is situated where tornados and heavy rainfall occur, the state is more prone to experiencing devastating floods throughout the year. Flooding from heavy rains is a risk that most homeowners must face. Particularly in the southern part of the state, including Fairfield County, among a doze...

Do I Need Flood Insurance in Lancaster, Ohio?

19 Oct

According to Ohio Emergency Management Directors, flooding is among central Ohio's most significant risks. Most communities in Ohio participate in the National Flood Insurance Program as homeowners and renters insurance policies don't cover flood damage. Sean Grady, director of the Licking Count...